100% Canadian | No Hassle, Rapid Approvals | All Credit Welcome
Questions? Call Us at 1-866-895-4675

Canada's Fastest Financing for Car Loans

  • Pick your own car, your own way. New, used, private sale—we’ll finance it.
  • Bad credit, no credit—we get you approved. Rapid approvals in as little as 24 hours.
  • Aggressive rates on all auto loans. Rates as low as 0%.*

Start the Process

Fast, Easy & Rapid Responses

90-Day Grace Periods Available


In need of fast financing? Secure a loan with us today and enjoy the first 90 days without repayment. Some conditions apply, so please inquire about our installment options and promotions.

Rates from 0% on New Vehicle Loans


Find no-interest new vehicle loans through us for Chrysler, Jeep, Dodge, RAM and Mitsubishi. If you’d prefer to finance a used or privately sold vehicle, our prime lending rates start at only 4.29%.

Cashback Options Available


The value of your loan can exceed the value of the vehicle you wish to purchase. For example, if the vehicle costs $20,000 but you expect to spend $5,000 on servicing in the first year, then you can apply for $25,000.

How We Work

Our Process

Instant Financial Group is committed to an easy, safe and fast alternative financing offering. Our flexibility extends farther than the banks and our programs are tailored to the needs of our unique clients.

How Instant Financial Group Works How Instant Financial Group Works

Why Choose Us?

We're a full-service brokerage focusing on easy, secure and fast alternative financing solutions for our valued customers.

Quick and Painless Financing Alternatives

Traditionally, securing a loan meant in-person meetings with financial officials and lots of paperwork. Depending how many banks you contacted, the whole process could range anywhere from a few days to several weeks. At Instant Financial Group, we do things a bit differently. We process applications online via a secure portal, helping to connect you with financing options as quickly as possible. We don’t ask for a down payment either!

A Canada-Wide Network of Trusted Lenders

Instant Financial Group works with a bevy of Canadian lenders, all specializing in different credit sectors. This enables us to efficiently match your application with the most appropriate lenders, translating into better rates and stronger customer service. Our vast network of lenders gives us an advantage over other independent brokers. Rather than shopping the market, we bring the best terms forward, having done the research behind the scenes on your behalf.

Frequently Asked Questions

Additional details on how our financing works.

How Much Will My Loan Cost?

We do not charge approval fees. Our fees are applied to the monthly contract, depending on the loan’s value. Some lenders may also add sub-charges and fees.

Will I Need to Find a Co-Signer?

A co-signer may help you unlock better interest rates, but having one is not a requirement.

Do I Need to Put Money Down?

We do not ask for money up front; however, some lenders may suggest money down to lower your payments. As well, if the amount of money you are approved for does not cover the full value of your purchase, you may need a down payment to settle the difference. That said, we can help work around this if you cannot afford to put money down.

Can I Call to Complete My Application?

Yes, we complete transactions over phone, email and fax.

I Don’t Live in British Columbia. Is That a Problem?

Although our network of lenders spans the country, our services are only available to BC residents.

Are All of the Loans Open?

Yes, we deal in only open-ended loans, meaning you can settle your balance at any time. We don’t trap you into contracts or straddle you with interest—you’re free to pay off your loan if you’d like.

Can I Buy from a Private Seller with Your Loans?

Absolutely! We send you the bank draft, then you can take it to whichever private seller you’d like to buy from.

I Live in a Different City. How Will I Receive and Submit My Documents?

We use the web-based program Docusign, allowing you to submit your documents electronically from your desktop or smartphone. Your documents will come to you in an email with further instructions. At any point, you can talk to our staff and someone will walk you through the process. Of course, we still accept e-mail, fax and email.

What Does the Licensing Process Entail?

We courier a package to you containing all the documents you will need to complete the licensing process. Said documents include the certified bank draft, a certified bank draft for taxes as well as all papers your local licensing office will request. Don’t worry—although it sounds like a lot to process, we provide everything you need to get through it, including information on the products you’re interested in.

Can I Secure Personal Loans through Instant Financial Groups?

Unfortunately, we are not able to provide personal cash loans.