All credit profiles
Good credit, challenged credit, bankruptcy, proposals, or no Canadian credit history.
Simple. Fast. Made for you.
Your trusted auto finance company in Woodbridge & Toronto.
AutoBase Financial is the auto finance company near you—fast, transparent auto financing for Woodbridge, Toronto, and across the GTA, whether your credit is excellent, rebuilding, or brand new.
Free to apply • No obligation • Secure process
Financing built around real life
A better way to finance your vehicle
Your credit history is only part of your story. We look at the full picture and help you understand the options available.
Quick decisions
A streamlined online application means less waiting and a clearer path forward.
More lender options
We work to match your needs, budget, and situation with suitable financing options.
Clear guidance
Straightforward support from application through approval—without pressure or confusion.
How it works
Apply with confidence
A simple, transparent four-step process designed to keep you informed from start to finish.
Four easy stepsFrom application to the road
STEP 01
Apply online
Share a few details about yourself and the vehicle you have in mind — it takes under two minutes.
STEP 02
Review your options
We review your profile and work to find a financing fit tailored to your situation.
STEP 03
Sign your documents
Complete your secure credit application via DocuSign — no printing or branch visit required.
STEP 04
Get on the road
Choose the option that works for you, finalize your loan, and start shopping with confidence.
Plan your budget
Estimate your vehicle payment
Adjust the values to estimate your monthly payment. Ontario HST (13%) is included automatically.
Vehicle price$35,000
Down payment$3,000
Interest rate (OAC)6.99%
Loan term5 yr
Estimated monthly payment$755≈ $348 bi-weekly
Vehicle price$35,000
Ontario HST (13%)$4,732
Total before down payment$41,131
Down payment−$3,000
Amount financed$38,131
Estimate only. Rate shown is OAC (on approved credit). Actual rate, taxes, and lender terms may vary.
Credit profile estimator
Select the profile that best describes you to see how it may shape your financing options. This is a general guide, not a credit check.
Est. rate
5.9% – 9.9%
Terms
Up to 72 months
Down payment
5% – 15%
Outlook
Get pre-approved Solid approval odds with competitive rates from most lenders.
What clients say
Trusted by happy drivers
Real feedback from Canadians who found their financing through AutoBase Financial.
"I was nervous about my credit history, but the team at AutoBase made the whole process feel easy. I drove away in my truck within a week."
Marcus T.
Mississauga, ON · Ford F-150
"They explained every option clearly and never pressured me. I got a payment I could actually afford on my first car. Highly recommend."
Priya S.
Brampton, ON · Toyota Camry
"As new Canadians we had no credit history. AutoBase found a solution that worked for us and helped us build credit at the same time."
Daniel & Sarah K.
Toronto, ON · Hyundai Tucson
"Professional, responsive, and genuinely helpful. They got back to me the same day and walked me through every step."
James R.
Ajax, ON
Start here
Get pre-approved
Share a few details and we'll send your personalized financing options along with a secure credit application to complete.
Helpful answers
Frequently asked questions
Do I need perfect credit to apply?
No. AutoBase Financial welcomes applications from people with strong credit, challenged credit, no credit history, bankruptcy, collections, or a consumer proposal. Every application is reviewed individually.
Does pre-approval guarantee a loan?
No. Pre-approval and final approval depend on lender review, verification, vehicle selection, and applicable lending requirements.
What information do I need to apply?
Start with your contact information, estimated vehicle budget, employment status, and general credit profile. Additional documents may be requested during review.
How much should I budget for a vehicle?
Consider the payment, insurance, fuel, maintenance, and registration—not only the purchase price. Use our estimator as a starting point, then speak with us about a comfortable range.