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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 Ottawa. Just like that.

Our network of Ottawa lenders and dealers has a unique specialty: getting you behind the wheel fast, even if you have bad credit or no credit. Just provide us with some basic information (we don’t require a social insurance number), and we’ll match you up with a lender or dealer in your part of town. Our car loans are easy to apply for, easy to understand, and easy to get.

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.

Ottawa 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 Ottawa car loan questions, answered.

I have bad credit. Will I be able to get a car loan?

Yes. We work with all Ottawa drivers, regardless of your credit score.

How do I qualify for a car loan?

You must be at least 18 years old, earn $1,500 a month, be employed, have a driver’s license, and be a Canadian resident.

I live in a town outside of Ottawa. Can I still get a car loan through your site?

Yes. We offer car loans to Ontario drivers throughout the Ottawa Valley. It doesn’t matter if you live in Orleans or Manotick, Kanata or Carlsbad Springs, or anywhere else in Ontario, we’ll match you up with a dealer nearby who can connect you with financing.

How much tax will I have to pay when I buy my car in Ottawa?

You’ll have to pay a sales tax (HST) of 13%.

Can I roll the HST into my car loan?

If you’re buying from a dealership, you can. In fact, many dealers include HST in the price they advertise. ‘Out the door’ pricing means the price you see listed is the price you pay — including all tax.

How much will the interest rate be on my car loan?

The details of your car loan will be handled at the dealership level. Dealers in Ottawa set auto loan rates based on your financial profile (credit, monthly income, etc.) and the amount of your loan. Borrowers with a healthier financial picture tend to get lower interest rates.

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

Taking a longer loan will decrease the size of your monthly payment. On the flipside, you’ll end up paying more interest over the total life of the car loan.

Here’s how your monthly payment would look over different lengths of time on a $10,000 car loan:

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.

Ottawa car loan tips

Negotiate your car loan before you negotiate the price of the vehicle

Always separate your financing from the vehicle you’re interested in buying. Negotiate the terms of your loan first — how much can you borrow, at what rate, etc. Then shift your focus to the actual amount you want to pay for the car.

Buy from a registered Ottawa dealer

Why go with a dealer in Ottawa? Easy — registered dealerships have to follow a variety of consumer protection practices and disclose important information about the vehicles they’re selling.

Understand the other costs that come with owning a vehicle

Is the car you want to buy cheap to insure in Ottawa? Does it have a good reliability and safety record? Remember, a car payment is only one part of the total cost of operating a vehicle.

Go for a test drive

Always take a vehicle for a test drive before you purchase it. Evaluate how the car performs in stop-and-go traffic and at highway speeds. For example, in Ottawa, highways 416 and 417 both allow you to drive along quite fast.

Ottawa car loan facts

  1. The average car loan in Canada is now 74 months long, according to the Financial Consumer Agency of Canada.
  2. Taking out an 84-month car loan at 8% means you’ll have to pay almost twice as much interest as you would on a 60-month loan.
  3. Dealers in Ottawa must disclose if a vehicle was previously used in a rental fleet or as an emergency services vehicle, limo, or taxi.
  4. Ontario law requires used car dealers to include all fees and charges in the advertised price of a vehicle, with the exception of HST and the cost of adding the license plate.
  5. Your Ottawa car dealer is required by Ontario law to formally provide you with the vehicle’s mileage, make, model, and the year before completing the sale.

Ottawa car loan myths

  1. Bad credit car loans are hard to get in Ottawa because most lenders require a minimum FICO score of at least 670. False. You can get a car loan in Ottawa no matter how low your credit score is. In fact, 25% of all auto loans are non-prime (borrowers with FICO scores less than 670).
  2. You should buy from a private seller rather than from a dealer. False. Used car buyers gain access to the safeguards and protections provided by the Ontario Consumer Protection Act if they purchase a vehicle from a registered dealership.
  3. There’s a ‘cooling off’ period for used car buyers in Ottawa. False. Used car sales are final in both Ottawa and the rest of Ontario.
  4. Bad credit car loans can’t be longer than 60 months. False. Bad and no credit car loans often exceed 60 months. The lenders and dealers participating in our car loan service offer bad credit auto loans in Ottawa that are 72, 84, or, in some cases, even 96 months long.

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