Auto Financing

Auto Financing & Vehicle Protection at Ontario Motor Sales

Our team is here to help you review financing, leasing, lender options, and available protection products in a clear, Straightforward way.

WHY FINANCE THROUGH ONTARIO MOTOR SALES?

Financing Support Built Around Your Purchase

Whether you're purchasing new, pre-owned, or certified pre-owned, our team is here to make the process clear, efficient, and easy to understand.

Multiple Lender Option

We work with a network of trusted lenders to help customers explore financing options for different credit situations and purchase needs

 

One Guided Process

From vehicle selection to pre-approval, lender review, protection options, and final paperwork, our team helps guide the process from start to finish.

 

Support for Different Credit Situations

Whether you have established credit, are rebuilding credit, are buying your first vehicle, or have a unique financial situation, our team can help review next steps.

 

Clear Explanations

We'll walk through payment structure, term length, lender conditions, available protection products, and final paperwork before you sign.

 

Our Lender Network

works with a range of trusted financial institutions and automotive lenders to help customers explore financing options for new, pre-owned, and certified pre-owned vehicles

How Our Financing Process Works

Choose Your Vehicle

Browse our new, pre-owned, certified pre-owned, or demo inventory.

Choose Your Vehicle

Browse our new, pre-owned, certified pre-owned, or demo inventory.

Choose Your Vehicle

Browse our new, pre-owned, certified pre-owned, or demo inventory.

Choose Your Vehicle

Browse our new, pre-owned, certified pre-owned, or demo inventory.

MEET OUR TEAM

Here to help you understand your options, answer your questions, and make the final steps of your vehicle purchase feel clear and straightforward

Σ Catherine Clarke

Financial Services Manager

Σ Bryan Gleeson

Financial Services Manager

Σ Andrew Buschert

Financial Services Manager

Σ Fourth FSM

Financial Services Manager

Get Pre-Approved Before You Visit

Start your vehicle purchase with more confidence. Our secure pre-approval tool, powered by AutoVerify and Equifax, allows you to begin the financing process online so our Financial Services team can help review available options before you visit the dealership

Save Time at the Dealership
Save Time at the Dealership
Save Time at the Dealership

Helpful Finance & Protection Videos

2026 Trax yellow

Protection Products Available With Your Vehicle Purchase

Our Financial Services team can walk you through optional protection products designed to help protect your vehicle, your budget, and your peace of mind.

Protection for major life events that could impact your ability to manage vehicle payments. Coverage options may help pay off or cover insured loan or lease payments in the event of death, critical illness, or total disability, depending on the coverage selected and eligibility.
Best for: Customers financing or leasing who want added protection for unexpected health or life changes.

Added support if life changes unexpectedly. Vehicle Return Plus may provide support for eligible events such as involuntary unemployment, disability, critical illness, relocation, bankruptcy while self-employed, and other covered situations, depending on plan eligibility and terms.

Best for: Customers who want added flexibility and reassurance during uncertain life events.

Protection for major life events that could impact your ability to manage vehicle payments. Coverage options may help pay off or cover insured loan or lease payments in the event of death, critical illness, or total disability, depending on the coverage selected and eligibility.
Best for: Customers financing or leasing who want added protection for unexpected health or life changes.

Added support if life changes unexpectedly. Vehicle Return Plus may provide support for eligible events such as involuntary unemployment, disability, critical illness, relocation, bankruptcy while self-employed, and other covered situations, depending on plan eligibility and terms.

Best for: Customers who want added flexibility and reassurance during uncertain life events.

What to Have Ready

To help make the finance process smoother, it may be helpful to have the following information available.

  • Valid driver's licence
  • Proof of income
  • Proof of address
  • Employment information
  • Trade-in ownership or registration
  • Insurance information
  • Banking information, if required
  • Co-signer information, if applicable

Leasing or Financing:
Which Option Fits You?

Depending on the vehicle you choose and how you plan to drive, leasing or financing may offer different advantages

Financing:

  • You work toward ownership
  • Good for long-term ownership
  • No kilometre limits once owned
  • Vehicle can be kept, traded, or sold

Leasing:

  • You drive the vehicle for a set term
  • Good for customers who like newer vehicles more often
  • Kilometre limits usually apply
  • Vehicle is returned, purchased, or replaced at lease end
WE'VE GOT ANSWERS

FREQUENTLY ASKED QUESTIONS

Financing through Ontario Motor Sales gives you access to our Financial Services team and lender network in one place. We can help you review available options, understand your payments, compare terms, and complete the process alongside your vehicle purchase.

You may be asked to provide personal contact information, employment details, income information, housing information, current financial obligations, and trade-in details if applicable. Depending on the lender, additional documentation such as proof of income, proof of address, or identification may be required.

Many applications can be reviewed quickly, but timing can vary based on the lender, credit profile, vehicle selection, and whether additional documents are required. Our Financial Services team will help guide you through the next steps.

Every credit situation is different. Whether you have established credit, are rebuilding credit, are buying your first vehicle, or have previously been declined, our team can help review your application and discuss available next steps.

Lenders may review several factors, including credit history, income, debt obligations, down payment, vehicle price, vehicle age, mileage, and selected term. Final rates, payments, and approval conditions are determined by the lender

Getting pre-approved helps you start the financing process before visiting the dealership. Through our secure AutoVerify tool powered by Equifax, you can submit your information online so our Financial Services team can help review possible financing options. Final approval, rates, terms, and payments are subject to lender review, vehicle selection, and verification

Many auto loans allow customers to pay off their loan early, but terms can vary by lender and agreement. Our Financial Services team can help you review the details of your specific finance agreement before signing.

No. Vehicle protection products are optional. Your Financial Services Manager will review available options with you and explain what each product includes so you can decide what fits your vehicle, budget, driving habits, and comfort level.

Ontario Motor SalesAuto Financing