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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 Barrie. Just like that.

You’re in the market for two things: a car, and the financing to buy it with. No problem. We can match you with a Barrie dealership that offers both — even if you have bad credit or no credit at all. Just complete our car loan application, get approved in 48 hours or less, and pick your new set of wheels.


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.

Barrie 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 Barrie car loan questions, answered.

How do I qualify for an auto loan in Barrie?

You have to be a Canadian resident earning at least $1,500 a month. You also have to be 18 or older and fully licensed.

Will I still be eligible for a car loan if my last vehicle was repossessed due to missed payments?

That’s the plan. A financial setback isn’t the end of the world. We accept all car loan applicants and regularly help drivers with impaired credit. The dealers we work with in Barrie specialize in bad credit car loans and they’ll most likely be able to accommodate you, even if you recently experienced a repo.

What are mandatory vehicle disclosures and which ones apply to vehicle sales in Barrie?

Mandatory vehicle disclosures are the details about a car’s history or condition that all registered dealerships in Ontario have to share with potential buyers.

Here are some of the disclosures dealers have to make:

  • The brand, model, and year of the vehicle
  • If the vehicle has ever sustained damages costing $3,000 or more to repair
  • If the vehicle was ever rebuilt or written off
  • If the vehicle was ever used as a taxi, limo, police car, or emergency vehicle

Visit the Ontario Motor Vehicle Industry Council (OMVIC) for a full list of mandatory disclosures.

Which Barrie dealerships will accept my car loan?

Only the dealership offering you the financing. Our car loan service matches you with one dealer from our network, that dealer then provides financing for a vehicle from their lot.

What’s the interest rate on your car loans?

It varies. We know that answer is not particularly helpful, but it’s accurate. We can’t say for certain what your rate will be because that’s up to the dealer offering you the loan. We can tell you that the rate typically ranges between 4.99% and 29.99%, depending on your credit and the type of car you want to buy.

How does the car loan term affect my monthly payments?

The longer the term, the more time you have to pay back your loan. Longer loans mean smaller monthly payments but more money out of your pocket on interest. It’s a trade-off. Check out our graph below to see how the length of your loan affects your monthly payments.

Monthly payments on a $10,000 car loan (at 8% interest)

Length of car loanCar loan payment
24 months$452
36 months$313
48 months$244
60 months$203
72 months$175
84 months$156
96 months$141

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.

Barrie car loan tips

Negotiate your loan first

Make sure you and the dealer settle on the auto loan terms (loan amount, length, interest rate, etc.) that you’re comfortable with before you start shopping for a car.

Consider your car’s lifespan

Try to choose a car loan term that doesn’t outlast the lifespan of the car you’re buying. For example, if you think you’ll need to upgrade your ride after 4 years, opt for a loan term of 4 years (48 months) or less.

Ask the right questions

...about your potential car and about your potential loan. Do some preliminary research, make a list of questions, and bring a shrewd friend who can help you talk to the dealer.

Think of the ‘big picture’ costs

It’s not just about the price tag on the car. It’s also about the car insurance, maintenance, repairs, and gas — costs that your auto loan won’t cover. Factor these bills into your budget before you buy.

Barrie car loan facts

  1. Banks aren’t the only ones that offer large auto loans. Through our car loan service, you may actually be eligible for a loan of up to $40,000.
  2. If you buy a used vehicle and the manufacturer’s warranty is still in effect, that warranty transfers to you, the new (and rightful) owner.
  3. Getting charged up is becoming easier in Barrie. An electric vehicle charging station is set for installation at the McDonald’s on 446 Bayfield Street.
  4. The stats say it all: about 82% of Barrie workers drive to their jobs, while only 4.6% commute via public transit. That’s a lot of drivers and a lot of cars.

Barrie car loan myths

  1. It’s risky to get a car loan anywhere else but at a bank. False. A car loan is much the same regardless of which bank or dealer gives you the loan — Canadians are just more familiar with banks. But our car loan service is actually similar to a bank’s, and it's equally secure: we ask for your info, assess your financial profile, and then a dealer offers you a car loan at a fair interest rate.
  2. After a repossession, I have to wait at least 12 months before applying for a new auto loan. False. Waiting is a recommendation, not a rule. Some banks or lenders advise you not to apply for a new auto loan until your credit score improves — that way you can (hopefully) avoid high interest rates. But not everyone can afford to wait. We’ll work with you right away and help you secure a loan with a reasonable interest rate from one of our dealers — repo or no repo.
  3. I can use my auto loan to buy a car from a private seller. False. The auto loans you get through our service are for use at registered dealerships only, not for private vehicle sales.
  4. If I have bad credit, I shouldn’t apply for a car loan. False. We understand the hesitation: your credit’s already damaged, and you don’t want to add on yet another debt. But you need a car. And, actually, getting a car loan and making your payments on time can help you repair your credit.

Car loan news

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