Fresh Start Car Loans in Canada
Apply in under 2 minutes
A short form. No long explanations of what happened. Just what you need now.
No judgment. Full stop.
Whatever brought you here, we’ve heard it before — and it hasn’t changed how we treat people.
No hidden fees. Period.
You’ll see the full cost before you sign anything. No surprises when you’re already rebuilding.
This loan works for your future
Every payment you make gets reported to Equifax and TransUnion. Your credit starts coming back.
Here’s How Simple It Is:
Apply in a few minutes
Complete our easy online application in minutes. Pick your vehicle, your budget and wait for our call.
We'll find you the best deal
After completing your online application, you'll be contacted by an auto financing specialist in <24 hours. They will go over the details of your application and give you some options of cars you're already qualified for.
Drive away in your new car
After agreeing to the best deal, you can pick up your vehicle or maybe even have it delivered right to your door for free!
Why Canadians Choose GetGoing
100% online
Apply from home. No dealership visit, no waiting room, no pressure.
No credit score damage
We use a soft check to start. Your score stays exactly where it is.
No hidden fees
You know what you are approved for and get a full cost breakdown before you commit to anything.
A specialist on your side
A real Canadian financing expert calls you. They know your file before they dial.
Vehicle delivered to you
We bring the car to your door. Free delivery in many areas across Canada.
Rebuilds your credit
Every on-time payment helps build your credit.
Hear From Our Happy Customers
Your Questions, Answered Honestly.
Yes, divorce is a common cause of credit damage we see in our applicants. But your credit file after a divorce doesn’t define your borrowing capacity today. GetGoing works with lenders who assess your current income, stability, and ability to repay.
Yes, if you’ve been back at work for at least three months and can demonstrate regular income, you may qualify for a car loan.
There are approval options possible depending on your agreement. Apply for a car loan pre-approval so we can discuss your situation.
Your credit score is protected at the application stage. We use a soft credit check to start, which doesn’t appear on your credit report and has no impact on your score. A hard inquiry only happens later, when you’ve chosen your options and are ready to proceed. You’re in control of that step.
Most applicants hear back from a GetGoing finance specialist within a few hours of submitting their form. Approval decisions typically come in less than 24 hours. In many cases, you can be driving within 48–72 hours of applying.
This is one of the most powerful benefits of a car loan for someone looking for a fresh start. Every on-time payment gets reported to Equifax and TransUnion. Over 12–24 months of consistent payments, many of our customers see meaningful improvements to their credit score.