Ontario · Quebec

Financing for
every credit
situation.

See what you could qualify for — the form takes 3 minutes. We work with our lender network to find a rate that fits your credit profile — then deliver the vehicle to your door.

Credit check only after we talk
Bank-level encryption
Reply in under 24 hrs
Lender network
7,000+
vehicles we can source
through our partners
4.1on Google · 214 reviews
Ottawa auto dealer · Ontario & Quebec
Real concierge team · Ottawa-based
No surprise checks · We talk first
How it works

Three steps. Zero pressure.

We sell the vehicle and arrange the financing in one place. No second stop. No bouncing between a dealer and a lender.

01
Apply in 3 minutes

Tell us about you, your income, and the vehicle you want. We never sell your data.

02
We shop our lender network

Your concierge takes your profile to lenders likely to say yes — and brings back the best rate available to you.

03
Vehicle delivered to your door

Approve the paperwork, choose your vehicle from our partner inventory, and we deliver it to your door.

A real moment

No dealership lot.
Just keys, at your door.

Mark or Nick drops the vehicle off, walks you through the paperwork, and leaves you with the keys. That's the entire handoff.

Why CAL

Built for the people banks make feel small.

We started CAL because the people most likely to be turned down by a bank are also the most likely to be condescended to about it. Our job is to make this part of buying a car feel uncomplicated.

Real people, not a portal

Ecaterina leads sales; Barb and Caroline handle delivery. You'll talk to the same humans from application to keys.

Honest about credit

We don't promise approval, ever. We do tell you what's possible for your profile and exactly how we get paid.

Door-to-door delivery

No dealership pressure. We deliver the vehicle to your address anywhere in Ontario or Quebec.

7,000+ vehicle network

We source from a partner inventory across the country, so we can match the vehicle to the financing.

Reviews

Real reviews from real customers.

4.1· 214 Google reviews
KM
Kandice Markland
Google review
★★★★★

"Sara from Canada auto loans was amazing! The process was smooth and easy! I had my amazing car in no time! Super happy!"

BD
Brittany Delisle
Google review
★★★★★

"I dealt with ecaterina with purchasing my new car. She was amazing! I haven't bought a car in 15 years and have never financed anything. She went above and beyond to make me feel comfortable with my purchase. If you are lucky enough to get her, you won't be disappointed! 10 out of 10"

DM
Dee Marie
Google review
★★★★★

"Overall fast and positive service with Ecaterina! Her two delivery men were also pleasant to deal with (My apologies I forget their names.) You both were friendly and delivered my vehicle right on time. I am very happy with my purchase!"

Concierge team

Real names. Real desks. Real Ottawa office.

More about us
EC
Ecaterina
Sales lead
Since 2019
TY
Tyler
Sales
BB
Barb
Delivery driver
Common questions

Straight answers, in plain language.

Three minutes between you and
your next vehicle.

Credit check only after we talk. No obligation. A human reviews every file.