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What our users say:

Based on 331 reviews
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...

How it works. Hint: It's free!

  1. Enter your information.
  2. Get matched with a dealership and get approved for a loan.
  3. Choose a vehicle from the dealership offering you a loan.

Get approved for a car loan in Ajax. Just like that.

You know the drill in Ajax — it’s hard to get where you need to go without a car. Lucky for you, getting bad credit auto financing is easy. Our car loan service helps Ajax drivers get the loans they need to get on the road. Fill out an application, get approved, and choose your car from one of the registered Ajax dealerships in our network. It’s that simple.

We can help you even if you have:

  • Bad credit.
  • No credit.
  • Good credit.
  • Late payments.
  • Repossession.
  • Collections.
  • A bankruptcy.
  • A divorce.
  • New Canadian status.

Ajax car loans made easy.

We’re proud of the car loan service we offer. Here’s why applying for a car loan online through is the better way.

Your Ajax car loan questions, answered.

I went bankrupt and have (really) bad credit. Can I still get a car loan at

Yes. The main purpose of our car loan service is to serve Canadians with bad credit or no credit. We will connect you with an Ajax dealership capable of processing your car loan application.

I just moved to Ajax from another country. Am I able to get a car loan?

Yes. We can get you a loan in Ajax or anywhere else in the Greater Toronto Area even if you have no Canadian credit score. The dealers in our network specialize in bad and no credit auto loans.

Can I get a car loan if I’m a new driver?

Of course. We work with all Ajax drivers, regardless of their driving experience.

What do I need to qualify for a car loan in Ajax?

You need to be employed and earn a minimum income of $1,500 per month. You also need to be 18 years or older, a resident of Canada, and have a valid driver’s license.

How much tax do I have to pay on a vehicle purchased in Ajax?

The Harmonized Sales Tax (HST) is 13% in Ajax (and the rest of Ontario). Remember to include this amount in your car-buying budget.

How does the length of my car loan affect my monthly payments?

Long car loans result in smaller monthly payments spread out over a greater duration of time. Short car loans do the exact opposite: your principal balance (plus interest) is divided into larger payments over a more compressed duration of time.

Check out the graph below to compare monthly payments on short and long car loans.

Monthly payments on a $9,000 car loan (at 8% interest)

Length of car loanCar loan payment
24 months$407
36 months$282
48 months$220
60 months$182
72 months$158
84 months$140
96 months$127

About our auto loan network.

  • It's nationwide, servicing all provinces.
  • It's a free, fully secure, no obligation loan service.
  • It provides car loans that range from $5,000 – $40,000.
  • It offers market competitive interest rates, speedy approvals, and affordable payments.
  • It boasts a 100% acceptance rate, even if you have no credit or bad credit.

Ajax car loan tips

Negotiate your financing before you negotiate the purchase price of the vehicle

You can’t shop for your new ride until you know your budget, so spend time negotiating the details of your car loan first: what loan amount are you approved for, what interest rate can you get, and how long will your loan be?

Consider the total cost of operating a vehicle before you buy

The purchase price of the car is just one expense to consider. There’s also maintenance, fuel economy, repairs, and, of course, car insurance. Research the cost of operating a vehicle before you buy it and compare insurance rates online.

Choose a short car loan

Attention all Ajax car buyers: if you can afford bigger monthly payments, you should opt for a shorter car loan. With a short loan, you’ll pay less interest and get rid of your loan in less time.

Buy from a registered Ajax dealership

Registered dealerships follow a variety of rules and regulations set out in Ontario’s Motor Vehicle Dealers Act. If you buy from a private seller, you won’t be able to take advantage of those protections.

Ajax car loan facts

  1. Bad credit car loans don’t have to be small. Depending on your financial profile, our Ajax dealers offer loans of up to $40,000.
  2. The Ontario Motor Vehicle Industry Council requires dealers in Ajax (and the rest of Ontario) to clearly indicate if HST and license fees are not included in the vehicle’s advertised purchase price.
  3. You can travel on the 407 toll road extension for free until the end of 2016. That means drivers can use the new part of the toll road — which runs across the north end of Ajax — without worrying what it will cost.
  4. Ajax has the ignominious distinction of having the worst intersection for fender-benders in the entire Durham region— at Brock Road and the 401. After you’ve received your car loan and gotten behind the wheel, be extra careful at this intersection.
  5. You can get charged up in Ajax. The city now has 3 charging stations for electric cars, although the only station open to all vehicles and all brands is located at the Rouge Valley Ajax Pickering Hospital on Harwood Avenue.

Ajax car loan myths

  1. I can’t get a car loan in Ajax if I have bad credit. False. If you have bad credit or no credit, our car loan service is designed with drivers like you in mind.
  2. I can use my car loan to buy a vehicle wherever I want. False. Our car loan service connects you with one dealership in your area. They provide you with the financing to purchase a vehicle from their lot.
  3. The Motor Vehicle Dealers Act only protects new car buyers. False. If you buy a used vehicle from a registered dealership, you’re entitled to the protections provided under the Motor Vehicles Dealers Act.
  4. Dealerships have a ‘cooling off’ period for used car sales. False. There’s no cooling off period for used car sales in Ajax or anywhere else in Ontario. Dealerships don’t offer return policies and are under no obligation to give you a refund — even if they are registered.
  5. Interest rates on bad credit auto loans are extremely high. False. While interest rates on bad credit loans are higher than on standard car loans, you’ll still be able to find a reasonable rate on our site.

Car loan news

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