Legal
Financing Disclosures
Last updated: October 2, 2026
Our Role
AutoBase Financial helps Canadians explore and apply for vehicle financing. We work with a network of lenders and dealer partners to try to match your credit profile, budget, and vehicle choice with suitable options. We are not the lender. Your loan agreement will be with the lender that approves your application.
On Approved Credit (OAC)
All rates, terms, payments, and approvals shown or discussed are OAC and subject to change without notice. Not all applicants will qualify for the lowest rates or longest terms.
Illustrative Rates (General Guide Only)
The Credit Profile Estimator on our calculator page is a general guide, not a quote or approval. Based on the ranges currently shown on the Site:
- Excellent (760+): approx. 3.9% – 6.9%, terms up to 84 months, 0%–10% down — strongest approval odds
- Good (660–759): approx. 5.9% – 9.9%, terms up to 72 months, 5%–15% down — solid approval odds
Your actual rate depends on the lender, your verified credit, income, vehicle age/mileage, loan amount, and term.
Payment Example
Using our calculator defaults as an example only: vehicle price $35,000 + Ontario HST (13%) $4,732 = $41,131 before down payment. With $3,000 down, amount financed = $38,131. At 6.99% OAC, estimated payment is ~$755/month (~$348 bi-weekly).
This example excludes insurance, licensing, gas, maintenance, lender fees, and optional products. Your lender will provide a full cost-of-borrowing disclosure before signing.
No Fees to Apply
Requesting pre-approval through AutoBase is free and creates no obligation to take a loan.
Credit Impact
Requesting pre-approval on this Site via the short form does not by itself include a signed credit application. A credit check will only occur after you review and sign the full credit application provided to you, which will name who may pull your credit.
Service Area
We primarily serve drivers in Woodbridge, Toronto, and the Greater Toronto Area, Ontario.