Before you buy your next vehicle

  • Insurance to meet your budget
    Whenever you're buying a vehicle, keep in mind age, mileage, year and intended use may affect your insurance rates.
  • Buying another vehicle?
    Be aware of additional costs such as street parking, added insurance and fuel costs that come with a second vehicle.
  • Recreational, sport or boat
    Keep in mind that added fun usually comes with added costs, such as trailers, engines, fuel tanks and even furnishings.
  • Maintenance fees
    Newer vehicles require less maintenance and upgrades as opposed to older models. This can mean lower overall costs.

Trading in your vehicle

Remember, trading in for a newer model may come with certain advantages:

  • Net equity built in your current vehicle will be applied to the cost of your new vehicle, lowering your loan amount
  • There may also be tax advantages that come with a trade in, such as the amount of HST you pay.
  • Ask for more information at your dealership.

Dealership financing

When you're ready to buy, we have competitive, flexible financing options to suit your needs.

  • Dealership network
    Find your ideal automotive or recreational vehicle through our nationwide network of authorized dealerships.
  • Tailored financing
    We offer competitive rates, flexible terms and payment options with you in mind.
  • Up-front financing
    Apply for only the amount you need to purchase the car you want within your budget.
  • Award-winning dealer satisfaction
    Thanks to our dealers, TD Auto Finance received the 2018, 2019, 2020 and 2021 J.D. Power award for ‘Highest in Dealer Satisfaction among Non-Captive Lenders with Retail Credit'1.

Credit history basics

Your credit history is a record of your ability to borrow and repay loans on time. One of the best ways to start building your credit history or improve your credit score is to apply for a credit card and demonstrate that you can use the credit responsibly.

Your borrowing history directly affects your credit score and borrowing options.

Any of our authorized Dealerships can help you with options.

TD Auto Finance offers flexible financing

Reach out to a dealer
Understand your budget and financial needs, then connect with a dealer to find the best financing options for you.
Compare and test
The TD Wheels app lets you search for and compare different makes and models to find your next new dream vehicle.
Applying for financing
Ask your dealership to work with you on a mutually agreeable price. They can help structure a loan to meet your needs.

Back to top