---
title: "Our Lending Partners | usedcarnearme.ca"
description: "The banks and finance companies behind every approval we arrange, from Ottawa-Gatineau to Atlantic Canada, and how one application reaches all of them."
canonical: https://www.usedcarnearme.ca/en/partners
---

Network

# The lenders behind every approval

We do not lend money. We know which of these lenders says yes to which file, and we take your one application to the right ones. That is the whole trick, and it only works with a deep bench.

[Get pre-qualified online](/en/apply)

15

## Our lender bench

### Banks

- ![TD Auto Finance logo](/partners/td-auto-finance.png)  
#### [TD Auto Finance](/en/partners/td-auto-finance)  
Prime and near-prime files; strong on newer vehicles.
- ![Scotia Dealer Advantage logo](/partners/scotia-dealer-advantage.png)  
#### [Scotia Dealer Advantage](/en/partners/scotia-dealer-advantage)  
Scotiabank's non-prime arm; one of the largest rebuilding lenders in Canada.
- ![RBC logo](/partners/rbc.png)  
#### [RBC](/en/partners/rbc)  
Prime files with established credit.
- BMO  
#### [BMO](/en/partners/bmo)  
Prime files; competitive on shorter terms.
- ![CIBC logo](/partners/cibc.png)  
#### [CIBC](/en/partners/cibc)  
Prime files and newcomer banking packages.
- ![National Bank logo](/partners/national-bank.png)  
#### [National Bank](/en/partners/national-bank)  
Prime and near-prime, strong on the Quebec side.

### Auto finance companies

- ![iA Auto Finance logo](/partners/ia-auto-finance.png)  
#### [iA Auto Finance](/en/partners/ia-auto-finance)  
Rebuilding credit, bankruptcy, and consumer proposal files.
- ![AutoCapital Canada logo](/partners/autocapital-canada.png)  
#### [AutoCapital Canada](/en/partners/autocapital-canada)  
Non-prime specialist; newcomer and self-employed programs.
- Santander Consumer  
#### [Santander Consumer](/en/partners/santander-consumer)  
Non-prime, including recent discharges.
- ![EdenPark logo](/partners/edenpark.png)  
#### [EdenPark](/en/partners/edenpark)  
Deep non-prime; files other lenders decline.
- Iceberg Finance  
#### [Iceberg Finance](/en/partners/iceberg-finance)  
Second and third chance credit, Quebec and Ontario.
- ![Quantifi logo](/partners/quantifi.png)  
#### [Quantifi](/en/partners/quantifi)  
Bank-alternative lender; reads bank-account income, good for self-employed and newcomer files.
- ![Northlake Financial logo](/partners/northlake-financial.png)  
#### [Northlake Financial](/en/partners/northlake-financial)  
Ontario dealer-channel lender, prime through non-prime.
- ![Rifco logo](/partners/rifco.png)  
#### [Rifco](/en/partners/rifco)  
Non-prime specialist; Ontario and Atlantic Canada files.

### Cooperatives

- ![Desjardins logo](/partners/desjardins.png)  
#### [Desjardins](/en/partners/desjardins)  
Quebec's cooperative; good for Gatineau buyers with a member history.

Process

## How one application reaches all of them

1. ### We read the file first  
Income, time on the job, housing cost, down payment, and the vehicle. That tells us which two or three lenders will actually approve it, and at what tier.
2. ### One presentation, not five  
Your application is presented once, to the lenders that fit. Applying to the same purpose within a short window is treated as one inquiry by the bureaus, and you never apply blind.
3. ### The real terms before the car  
Rate, term, total cost, and payment come back before you see a vehicle. You choose a car that fits the approval instead of hoping the approval fits the car.

Questions 

## Questions people actually ask

Do I choose the lender? 

You choose the terms. We present the offers that fit your file and explain the difference; the lender behind the best one is usually not the one you would have guessed.

Why not just go to my bank? 

Go ahead if your credit is clean; a bank approval is a good one. If the bank said no, that is the situation this page exists for, and a decline there does not hurt you here.

Do these lenders finance in Atlantic Canada? 

Most finance across Canada, including Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador. A few are stronger in one province than another, which is one of the things we account for when we place a file from Halifax, Moncton, or Gatineau.

Situations

## Which situation is yours?

- [**Low credit score or bad credit**](/en/bad-credit-car-loans)
- [**No credit history**](/en/no-credit-car-loans)
- [**Newcomer to Canada**](/en/car-loans-for-newcomers)
- [**Discharged bankruptcy**](/en/car-loans-after-bankruptcy)
- [**Active or completed consumer proposal**](/en/car-loans-consumer-proposal)
- [**Past repossession or voluntary surrender**](/en/car-loans-after-repossession)
- [**Accounts in collections or written off**](/en/car-loans-with-collections)
- [**Previous refusal by a bank or dealer**](/en/car-loans-after-being-declined)
- [**Self-employed, gig, or cash-plus-pay-stub income**](/en/self-employed-car-loans)
- [**Pension, disability, or benefit income**](/en/car-loans-on-pension-or-disability)
- [**Divorce or separation on the file**](/en/car-loans-after-divorce)
- [**First-time buyer under 25**](/en/first-time-car-loans-under-25)

## Know in two minutes.

Free, about two minutes, no credit pull.

[Get pre-qualified online](/en/apply)