Our Financing Options

At Auto Finance World, we offer competitive financing rates and terms on our great selection of used trucks, cars, and SUVs.

Our finance experts are here to guide you through the financing process and help you get into your used vehicle. Contact Auto Finance World’s team today or if you’re ready to start the financing process, you can fill out our secure finance application online.

Get Pre-qualified for an auto loan without any impact on your credit score! Our system will not add any additional inquiries to your profile and you’ll receive a quick and easy pre-qualification in a few days. We are here for you with 1,000’s vehicles to choose from and with a dedicated team to manage your entire car buying experience 5 days a week!

Fill out the form below to get pre-qualified now and then shop our extensive inventory or cars, trucks, vans and SUV’s.

At Auto Finance World we will do everything to ensure you get the car you want! We have quality used cars, including one owner vehicles and low mileage used cars from every manufacturer. Whether you’re in the market for a used Ford truck, Honda, Toyota or Nissan car, or a vehicle in the luxury segment like a Mercedes-Benz or BMW, our selection is unbeatable.


We know the price is important when buying a vehicle, but so is the cost of financing. AFW wants to make sure you get as good of a deal on your interest rate as you do on your new ride. We work with more than 10 banks and financial institutions all over.

We know the price is important when buying a vehicle, but so is the cost of financing. AFW wants to make sure you get as good of a deal on your interest rate as you do on your new ride. We work with more than 10 banks and financial institutions all over.

What did you need?

2 pieces of non-expired I.D.

Proof of income: Includes paystubs, letter of employment, NOA’s, T4’s ROE or Job letter

Void cheque or pre-authorized debit form

Last 60 days of banking information

Proof of address: Includes bills, mortgage document, lease document, CC statement

The following factors affect the type of financing terms you may receive from a bank.

Credit Score

A credit score is the metric most lenders use to determine your financial risk. The better your credit score on your credit report, the better the rate you are going to get. Don’t know your credit scores and want to run a soft check before applying for an application? Get your credit score from one of the three credit reporting companies: Equifax|Experian|TransUnion.

Size of Down Payment

The larger a down payment you can make, the more favorable the terms you will be offered. So if you can afford it, you are better off putting down a larger down payment than a smaller one.

Length of the Loan

The length of the loan indicates to lenders how long they have to put up with the risk. The short the length of the loan, the less risk they will take which means the more favorable the terms will be. It will be in your favor if you can afford a larger payment a month with a shorter term.

Age and Quality of Vehicle

The age and the quality of the vehicle affect the terms of loans as well. Here is the simple logic of why this matters. In the event of a default, the lender can repossess the vehicle and be able to effectively recoup losses with a high-quality vehicle.

3 main factors that can affect your credit score:


Late payments of any kind are a killer and should be avoided if you want to keep a good credit score and rating long term.


Lenders get nervous if they see that you are carrying a lot of debt in contrast to your income, do your best to keep this to a minimum.


Any combination of these three factors can serve to make lenders nervous. These factors are compiled and translated into a credit score that is used by lenders to determine what kind of risk a prospective borrower may be. We deal with the highest risk by taking on all the risk!


A higher down payment on auto loans for people with bad credit in Canada may be required. However, keep in mind that a lender who specializes in bad credit car loan may be able to work with you to reduce or eliminate the need for a down payment. AFW has helped thousands of customers with bad credit obtain car loans with competitive rates and attractive terms. We have a strong and consistent record of success and look forward to helping you receive an approved car loan in the future.

The bottom line is that bad credit no longer prevents you from receiving a car loan in North America. In fact, almost anyone can get approved! Today’s auto loan industry is competitive, and that means lenders want your business.


High risk borrowers can work with lenders who specialize in just such situations. While we may charge more interest because the likelihood of default is higher with high risk borrowers, it is important to note that there are lenders who specialize in bad credit auto loans. These specialty lenders can offer very competitive rates and we present the best of the best offers for you.