Get Approved from the Comfort of Your Home

Skip the dealership stress. We provide secure, rapid car loan approvals for every Canadian, regardless of credit history. Your journey to a better vehicle starts here.

No Obligation. No Impact on Credit Score.

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It's as EASY as 1...2...3

We streamline the auto financing process to get you driving sooner.

Secure Online Application

Complete our encrypted, 2-minute assessment from the comfort of your home. No SIN is required for a pre-approval, meaning there is zero impact on your credit score to get started. Our dedicated finance team will instantly review your profile.

Find your best loan

Professional Credit Matching

Our network of 20+ specialized lenders competes for your business. We analyze your profile to find the lowest possible interest rate and the highest approval amount. Whether you have good credit, bad credit, or are self-employed, we have a partner that fits your needs. You'll receive a transparent breakdown of your monthly payments and affordable vehicle options.

Doorstep Delivery & Drive

Once approved, browse our certified inventory of thousands of vehicles. Select your car, and we handle the rest—including safety inspections, detailing, and registration. We deliver your new ready-to-drive vehicle directly to your driveway, free of charge. Experience the new way to buy a car with Skip Car Dealer.

Ready to Get Started

Online Auto Finance Made Simple

Transparent, secure, and fast. The way borrowing should be.

Privileged Interest Rates

We leverage our volume to negotiate rates typically reserved for prime borrowers. Your savings are our priority.

Instant AI Pre-Approval

Forget waiting days for an answer. Our advanced matching engine gives you a preliminary budget in minutes.

Universal Credit Acceptance

New to Canada? Self-employed? Consumer Proposal? We have specialized programs for every unique financial situation.

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Common Questions & Expert Answers

We believe in transparency. Here is everything you need to know before you apply.

Does checking my rate affect my credit score?

No. We use "soft pull" technology to assess your eligibility. This allows us to provide you with accurate interest rates and potential loan amounts without leaving a hard inquiry on your credit report. A hard inquiry is only performed once you have selected a vehicle and proceed to finalize the loan.

Do I need a down payment?

In many cases, $0 down options are available. While putting money down can lower your monthly payments and interest costs, it is rarely a mandatory requirement for approval within our lender network. We work to find terms that fit your current budget.

Can I get approved if I am self-employed or new to Canada?

Absolutely. We specialize in complex credit profiles. We work with lenders who understand self-employment income (using bank statements instead of pay stubs) and have dedicated programs for Newcomers to Canada. Your employment status does not disqualify you from getting a fair rate.

What happens after I apply?

Within 24 hours (often sooner), a dedicated Finance Manager will review your application and contact you to discuss your pre-approval options. They will present you with vehicles that fit your budget and lifestyle, and guide you through the seamless delivery process.

Do you accept trade-ins?

Yes, we accept all trade-ins significantly reducing the cost of your new vehicle. We provide fair market value appraisals for your current vehicle, regardless of its condition or whether you still owe money on it.

Uncompromising Data Security.

We guard your identity with the same rigor as Canada's distinctive banks. utilized AES-256 bit encryption and strict PIPEDA compliance, your financial profile is transmitted directly to lenders through a secure, encrypted tunnel—ensuring your data never stays exposed.

AES-256 Bank-Level Encryption
Canadian Data Sovereignty (Stored in CA)
Real-Time Fraud Protection Protocols
100% Confidential Lender Matching