About Us

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.

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.

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

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!