BC drivers refinancing with us save an average of $80/month — some save over $4,500 in interest over the life of the loan.
Check My SavingsTakes about 60 seconds. This is an estimate — your real number is confirmed on a quick call, before any credit check.
Dealership loans are often priced higher than what a bank or credit union would offer directly.
Restructure your term to bring your monthly payment down to something that actually fits your budget.
This isn't a new purchase — it's the same vehicle, with terms that actually work for you.
No hidden steps. No hard credit pull until you say go.
Takes about 60 seconds online — no documents needed yet.
A real conversation with a licensed BC advisor — not a script.
A hard pull only happens once you say yes, and only with your consent.
No pressure. A flat $99 fee applies only if you're approved and move forward.
"I had no idea my dealership rate was that far off market. The whole thing took one phone call."
Mark T. — saved $164/month
"Straightforward, no pressure, and it actually saved me real money every month."
Priya S. — saved $97/month
"I called expecting a sales pitch. Instead I got an honest answer and a better rate."
Devon K. — saved $121/month
You only ever pay a flat $99 fee — and only if you're approved and choose to move forward. If it doesn't save you money, you owe nothing and keep your current loan exactly as it is.
We'd rather tell you the truth than waste your time. Here's what actually moves your score.
Payment history is the single biggest factor in your score.
Keep balances under 30% of your limit where you can.
Hard inquiries can ding your score slightly.
Equifax and TransUnion offer free reports to Canadians — disputing errors is free.
Leave your name and email and we'll follow up in 90 days to see where your credit stands.
What if the rate you signed for isn't the rate you're stuck with? Most drivers never think to ask about refinancing — so they just keep paying more than they need to, month after month. We've spent decades in dealership finance, and we started Canadian Auto Refinance to change that.
Canadian Auto Refinance uses that same expertise — now working for you, not the lot.
60 seconds. No obligation. No cost unless you're approved.
Check My Savings