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EASY AUTO FINANCING
FOR ALL TYPES OF CREDIT

Our streamlined process ensures responsible,
best-value loans for Canadian car buyers
Get Pre-Approved

$0 Down | Quick | Secure | Free to Apply

We Make Financing Simple

At PayLight Auto Finance, we put people at the highest priority of everything we do. Our goal is security, efficiency and most importantly, you.

We want to get you driving!

Whether you have good credit, bad credit, no credit, or are in post-bankruptcy or consumer proposal our Canada-wide network of financial partners can help secure the financing required to get you driving.

CLEVER WAY TO BUY A CAR

PayLight Auto Finance is shaping the way Canadians buy vehicles. Our service allows you to get approved for financing first, so you can shop with assurance knowing precisely how much you can afford. No more wasting time looking at vehicles you can’t qualify and no more rejections.

Get Pre-Approved

Any Credit Accepted

We are committed to help you get into the vehicle you need regardless of your current credit situation.

No Obligation

A completely free service to help you find the perfect car at the perfect price.

Convenient

Get approved from anywhere, at anytime. Our application takes less than 5 minutes to complete.

Stress-Free

No more fear of rejection. Get the best financing rate and payment options up front.

THE TRADITIONAL WAY OF CAR SHOPPING IS time consuming and stressful

Car shopping should be fun, but unfortunately for many Canadians the experience is the complete opposite. The traditional car shopping process requires you to spend excessive hours searching through inventories, finding something that interests you, negotiating the price, and then finally applying for financing to see if you will actually be able to buy the vehicle.

Even if you do get approved for financing, the whole process can be overwhelming and extremely time consuming. If you don’t get approved for financing then you have just wasted your time and have to start again! This happens to more people than you think, and that is why PayLight Auto Finance was started.

save YOUR time, money, and stress

Our streamlined online application can be completed in less than 5 minutes. We get you approved for a loan before you shop, so you already know exactly what you can afford and what vehicles are available to you within your budget. It’s the way shopping for a vehicle should be.

Get Pre-Approved

Connecting Canadians
With Dealerships

We work with hundreds of Dealerships across Canada who carries thousands of vehicles. Below you can see an example of the types of vehicles that may be available to you.

Our services are offered in every province and territory and our partner’s inventories include a wide variety of vehicles, import and domestic, so you can be sure to find the perfect vehicle to meet your specific needs.

Our services are offered in every province and territory and our partner’s inventories include a wide variety of vehicles, import and domestic, so you can be sure to find the perfect vehicle to meet your specific needs.

Search Inventory

Intelligent Search Inventory system

With our Intelligent Search Inventory system you will never have to worry about wasting time looking at vehicles that you might get declined for.

STEP 1

BUDGET DISCOVERY

The first step is to learn what your true budget is, in other words what you can actually get approved for. This is done by completing our online application.

 

STEP 2

FINANCING APPROVAL

Once we have your application we will work to get you the best possible approval options. This will allow us to see what vehicles from our widespread inventory you can qualify for.

 

 

STEP 3

VEHICLE SELECTION

We will present you with a variety of vehicles that you already qualify for. You just pick the one you want and drive away. No more wasted time or fear of rejection!

 

QUESTIONS?
WE HAVE ANSWERS!

Find answers to our most frequently asked questions

Applying for a loan with us is simple. You can start your application online, or give us a call to get help from one of our personal finance brokers. After submitting the correct financial documents, most of our customers receive approval in about an hour.
In order to get financing from Paylight Auto Finance, you must be over 18, and have a permanent address. In addition, you must have a job that provides enough income for you to cover your current expenses and the monthly repayment terms of the loan you want. You’ll also need to provide financial documents, like information about your income, debt, and current expenses.
Eligiblilty requirements for a car loan include: aged least 18 years old, holding Canadian citizenship or permanent residency, earning a regular income. Requirements will be different however from product to product and will also depend on each lender’s own restrictions.
For most lenders, the minimum amount you can borrow for a car loan is $5,000. Many lenders will allow you to borrow up to 100% of the vehicle’s purchase price, however other factors like your income, employment history and credit score can affect your borrowing capacity.
Even if you have a poor credit history, you can still apply for personal car finance and get approved. We offer a range of bad credit car loans for our customers with lower credit scores. Call us for more information regarding your specific circumstances.
Yes, we can help you refinance your current loan. If you’re shopping around for lower monthly payments or a better interest rate, your personal finance broker will be happy to help you compare offers from our network of trusted lenders. We offer hundreds of finance products from big banks and boutique providers, and we can’t wait to help you find a great deal.
Yes. We have a network of over 40 lenders and hundreds of different loan products, including specialised offers for self-employed people. Call us Monday through Saturday to speak with a personal finance broker for more information regarding your loan options.
Yes, you can pay out your loan early. However, you may be subject to a break fee. Speak with your personal finance broker to find out more information about your particular circumstances.

If you can’t find an answer, get in touch. We’re be happy to help!