Tell us about your borrowing goal.
If you're in need of a privately sold car, SUV, truck, vans or recreational vehicle, TD has a Private Sale Vehicle Loan to help. We offer fixed and variable interest rates, plus a repayment schedule that's tailored to your budget.
We have loans to cover cars, trucks, vans, boats, motorcycles and RVs.
TD Auto Finance offers effective financing options at dealerships across Canada.
A Private Sale Vehicle Loan is a flexible borrowing option to help you get the vehicle of your choice.
See how much your vehicle monthly payments could be.
Quickly see how much your monthly vehicle payment might be.
See how they work, and decide which option is best for you.
TD has a range of options for borrowing. Find out how they work.
See what it takes to build a healthy credit history.
Learn how your credit score helps lenders to assess your credit capacity2
For vehicles 5 years old or less3 , or recreational vehicles 2 years old4 or less, book an appointment.
For vehicles more than 5 years old5 or recreational vehicles over 2 years old6, you can apply online for a loan.
Our banking specialists are ready to answer your questions and assist you with your borrowing needs.
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1 Subject to approval
2 Credit Report and Score Basics. Government of Canada, May 13 2020, https://www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/credit-report-score-basics.html
3 Means a vehicle not older than the current model year minus 5 prior model years. Current model year is defined as the current calendar year or future calendar year.
Vehicles with a current model year of 2022. Vehicles must not have a model year older than 2017.
4 Means a vehicle not older than the current model year minus 2 prior model years. Current model year is defined as the current calendar year or future calendar year.
Vehicle with a current model year of 2022. Vehicle must not have a model year older than 202
5 Means vehicles older than the current model year minus 5 prior model years. Current model year is defined as the current calendar year or future calendar year.
Vehicle with a current model year of 2022.
Vehicle must have a model year of 2016 or older.
6 Means vehicles older than the current model year minus 2 prior model years. Current model year is defined as the current calendar year or future calendar year.
Vehicles with a current model year of 2022.
Vehicles must have a model year of 2019 or older.
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Screen Text: Debunking credit score myths
Debunking Big Foot
Debunking goat yoga
Debunking credit score myths is clicked and title appears.
Screen Text: Debunking credit score myths
Speaker: Unlike an internet conspiracy theory, credit scores shouldn't be scary.
A meter progresses from a low credit score to high credit score. A car appears.
Speaker: They indicate how well you manage your credit payments.
Payment Due title appears. A hand clicks on it, changing the title to Pay Bill.
Screen Text: Payment Due
Minimum payment Paid
Speaker: Having a good credit repayment history- which means you make at least your minimum payment and always make it on time - can help you achieve a higher credit score.
A calendar is shown with a check mark at the end of the month.
Screen Text: Minimum payment on time
A meter progresses from a low credit score to high credit score.
Speaker: This in turn can help make it easier to get approved for credit for larger purchases – like your first home – in the future.
A contract appears and is being signed. A house is shown.
Screen Text: Help make approvals easier
An envelope appears.
Speaker: Making your payments on time applies to all your personal bills, including your phone bill and other utility bills.
A bill is revealed inside the envelope. A phone appears with a Pay Bill icon. The icon is clicked and changes to Paid!
Screen Text: All your personal bills
Speaker: Also, ensure that you only apply for credit products that you need and that you use them responsibly by staying within your credit limit.
Screen Text: Only apply for credit products you need
A number of credit cards circle the screen and one stops and stays on screen. A credit meter shows the credit card going above the limit and then back into the target zone.
Screen Text: Stay within your limit
Speaker: Finally, remember not to apply for credit multiple times over a short period because this too can negatively impact your credit score!
A meter progresses from a high credit score to low credit score as a hand clicks an Apply icon numerous times.
Screen Text: Apply
Applying too often
TD logo appears.
When it comes to borrowing needs – there’s no one size that fits all.
To help you decide which financial lending option might be right for you, keep the following in mind:
Do you have a well-defined borrowing need with a particular end goal – such as buying a car, consolidating debt or another major expense? Then a loan might be a better option. It provides a lump sum of money up front. You can choose a fixed or variable interest rate… and select your payment frequency ranging from weekly to biweekly, semi-monthly or monthly.
If, on the other hand, you need the flexibility to borrow for a variety of needs, without having to reapply every time, then a line of credit may be a better option – as the funds up to your available credit limit are there, whenever you want! And you only pay interest on what you use.
Speak to a TD representative for more information on which solution may be right for your borrowing needs!
Loan vs. lend
Loan vs. line of credit
Loan vs. find money on ground
Loan vs. Line of Credit
Line of Credit
Content in this video is for informational purposes only and may vary based on individual circumstances.
Please speak to a TD banking specialist about your particular needs.
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