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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 Brampton. Just like that.

If you live in Brampton, you probably need a car to get around. And that’s where our car loan service can help: we connect car buyers with the financing they need to buy a vehicle. Even if they have bad credit or no credit.

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.

Brampton 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 Brampton car loan questions, answered.

How do I qualify for a car loan in Brampton?

As long as you meet these key requirements, you can get approved for a car loan in Brampton through our site:

  • You must be a resident of Canada
  • Be a fully licensed driver
  • Be 18 years of age or older
  • Be employed and earning at least $1,500 per month

I just moved to Brampton from another country. Can I get a car loan?

Yes. We’ll help you get a car loan even if you don’t have a Canadian credit history. Just make sure you meet our lending requirements (see above), and we’ll set you up with vehicle financing from a dealer in our car loan network.

Do I need to provide any detailed personal information to apply for an auto loan?

No. We just need some basic contact information, as well as a few details on where you live and work. We do not require personal information like your social insurance number or credit history.

Why should I choose a shorter car loan?

By going with a shorter car loan term, your monthly payments will be higher, but the amount of interest you’ll be charged over the life of the loan will be far less.

Once I’m approved for a car loan, can I shop at multiple dealerships in Brampton and the GTA?

No. With our car loan service, you can only buy a vehicle from the dealership offering you the financing.

How do I know if I’m “buying too much car”?

The increasing popularity of longer auto loans is leading many Canadians to purchase more expensive vehicles. Longer loans result in lower monthly payments, which entices some buyers to spend more money on a vehicle than they otherwise would.

Here’s an example: the monthly payments on a $12,000, 36-month car loan would be roughly the same as on a $24,000, 72-month loan. What some buyers forget is that they’ll be paying off the more expensive vehicle for an additional 3 years, during which time they’ll still be charged interest and will need to pay for all the repairs and maintenance that older vehicles require.

We encourage car buyers in Brampton (and everywhere else) to follow this simple rule: if you can only afford the vehicle you’re interested in by taking a really long car loan term, then it’s probably too expensive.

How does my car loan term affect my payments?

As mentioned above, longer loan terms will mean smaller monthly payments, but the amount of interest you pay will be much higher. If you can get by with a shorter term, it’s a good idea to consider one. If you’re not able to afford a higher monthly payment, then a longer term will reduce the strain on your pocketbook from month to month.

Take a look at the graph below for a better understanding of how different loan lengths change 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.

Brampton car loan tips

Go with a shorter loan

While your monthly car loan payments will be higher, a shorter loan term will save you money on interest and get you out of debt sooner.

Take it for a spin

Make sure you test the vehicle you’re considering purchasing. This should be done in daylight and should include a variety of roadways. Make sure you operate the vehicle at highway speeds too: the 410 and 401 are good options for testing your car’s performance at 100 km/h in Brampton.

Buy from a registered dealer in Brampton

The Motor Vehicle Dealers Act and the Consumer Protection Act give you legal rights and protections when you purchase your car through a registered dealership.

Avoid cars that could land you “underwater”

Being underwater on your car loan happens when the market value of your vehicle is less than what is still owed on your loan. Avoid this situation by not spending a large sum on a vehicle that's depreciating rapidly and by taking a shorter loan that you can pay off more quickly.

Brampton car loan facts

  1. The Financial Consumer Agency of Canada says that the average loan length in Canada has increased by 2 months every year since 2010, reaching 74 months in 2015.
  2. According to Statistics Canada, new car sales rose in Ontario by 9.1% from June 2015 to June 2016.
  3. Registered dealerships must disclose key information, such as vehicle make, model, mileage, and year, prior to completing a sale.
  4. There are charging stations aplenty in Brampton. The city plans to have a total of 32 electric vehicle charging stations in place by the end of 2016.

Brampton car loan myths

  1. Registered dealerships aren’t required to advertise all-in pricing. False. According to the Ontario Motor Vehicle Industry Council, the Motor Vehicle Dealers Act requires registered dealers to include all fees and charges in their advertised prices. This does not include HST or a one-time license fee.
  2. There’s a “cooling off” period after signing a purchase agreement. False. In Brampton, as well as the rest of Ontario, there's no “cooling off” period after signing a purchase agreement. Be sure to read all documents carefully and ask for clarification if needed.
  3. Registered dealerships don’t have to disclose if a vehicle was used as a rental or taxi. False. Registered dealerships in Brampton have to tell you if a vehicle was part of a rental or taxi fleet. It’s the law.
  4. I can choose the vehicle I want to purchase before I get a car loan through your site. False. When you use, you have to apply for a loan first, get matched with a dealership in Brampton, and then confirm the details of your financing. Once this process is complete, you can shop for a car on the dealer’s lot.

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