Financing and Car Loans

You’ve found the auto or recreational vehicle you want. Now’s the time to find a financing solution that’s right for you. TD Auto Finance offers flexible lending options to help you get behind the wheel – whether you’re shopping at a dealership or through a personal private sale.

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Financing at the dealer
Financing for a private sale

Find us at dealerships across Canada

As one of Canada's fastest growing automotive lenders, TD Auto Finance offers flexible financing solutions through a network of over 4500 dealerships for customers making automotive or recreational vehicle purchases.

Highest Dealer Satisfaction Award

Thanks to our dealers, TD Auto Finance received the award for ‘Highest in Dealer Satisfaction among Non-Captive Lenders in Canada'¹.

¹ TD Auto Finance received the highest numerical score among Non-Captive Lenders in the J.D. Power 2018 Canadian Dealer Financing Satisfaction Study of customers' satisfaction among Canadian auto dealers with their auto finance providers. Visit jdpower.com.

TD Auto Finance can help you purchase the vehicle you want

We offer loan options for the following types of vehicles:

Automotive
RV
Marine
Powersport

Automotive
RV
Marine
Powersport

We’ve got solutions that fit your needs

Make the most of your auto financing with our flexible options:

Competitive fixed and variable rates

Find the rate for you whether you’re buying a new or used car or RV.

Personalized repayment schedule

Choose the duration of your loan ‑ Up to a 96-month amortization period on select loans.

Flexible payment options

Select the payment frequency that suits you: weekly, bi-weekly, semi-monthly or monthly.

Preferred rates

Enjoy preferred rates on select automobile and recreational vehicle brands.

Ready to get financing?

Simply visit any auto or recreational vehicle dealer and ask for TD Auto Finance specifically.

Find the solution you need

Calculate your options

Use the Auto Loan Calculator to see how your dream vehicle fits in your budget – from payment amounts to your maximum loan amount.

Calculate now

Build your credit

A good credit history improves your ability to borrow. Find out how to maintain, build and repair your credit for the next time you request a loan.

Learn more

Already a TD Auto Finance customer?

Benefits of an Auto Loan

Funds upfront
Get access to the amount you need to purchase the car you want within your budget, whether it’s new or used.
Interest rate options
Choose between a fixed or variable interest rate depending on what’s best for you.

Repayment schedule
We’ll help you create a repayment schedule that works for you.
Available for new and used vehicles (up to 7 years old)
A typical auto loan is between $20,000-$50,000. The minimum TD Auto Loan amount is $7,500.

The interest rate stays the same for the time period chosen.

The interest rate changes whenever TD Prime Rate changes.

Loans are available with a variety of terms. The term is the length of your current loan agreement.
Typically, terms range from 1 to 7 years and depends on age of vehicle. When a term ends, any balance you still owe can be repaid in full, or you may be offered a renewal term at current interest rate.

Amortization period is the length of time it takes to pay your loan in full, assuming the same interest rate and payment amount throughout. Shortening your amortization period can help you reduce interest cost over the period but it will also increase your payments.

What are my interest rate options?

Fixed Rate
Fixed interest rate stays the same for the term chosen. It’s ideal if you’re looking for set payments, and want to know exactly when the loan will be paid off.

Variable Rate
Variable interest rate changes whenever TD Prime Rate changes. It’s ideal if you’re not worried about changing interest rates, and want to benefit when interest rates decrease.
If interest rates decrease, more of your regular payment goes towards your principal, so you can pay off your loan faster.

If interest rates increase, more of your regular payment goes towards interest, and amortization period will increase. Your regular payment may have to be adjusted periodically.

Have a personal consultation to discuss your options. Call 1-877-390-51971-877-390-5197

The amount borrowed or still owed –not including interest.

Auto Loan Calculator

What you can afford

See what you can afford with our Auto Loan Calculator

Decide which loan is right for you

Get details on amounts, rates and more with a side-by-side comparison of all available TD loans.
Compare now

How to Apply

Book an appointment

Meet with a banking specialist in person at the branch closest to you.

Call us

Our banking specialists are ready to answer your questions and can assist you in applying for a loan.

Financing and Car Loans

Financing at the dealer

Financing for a private sale

Find us at dealerships across Canada

Highest Dealer Satisfaction Award

TD Auto Finance can help you purchase the vehicle you want