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Get pre-approved for a car that fits your budget!

An easy 3-step approval process.

1. See how much you qualify for?

Within minutes, we can prequalify you for the ideal monthly payment that aligns with your credit and budget.

2. See vehicles that fit your budget

We'll recommend vehicles that fit within your budget and are already approved for you, saving you the frustration of being denied in the final stages of your search.

3. Pick a car and drive away

Once you find a vehicle you like, it's decision time. You could have the vehicle in your possession in as little as 24 hours! 

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Your Gateway to Hassle-Free Car Ownership!

At Octane Used Cars, we're passionate about making your car ownership dreams a reality. We understand that securing the right financing is a crucial part of that journey, and we're here to make it easy for you. With a network of 26 reputable lenders spanning across Ontario, we're well-equipped to provide car financing solutions that are accessible to all, regardless of your credit history.

Whether you have excellent credit, fair credit, or have encountered obstacles in the past, we've got your back. Our team is dedicated to finding tailored financing options that suit your unique financial situation. We believe in second chances and are committed to helping you get behind the wheel of a vehicle that suits your needs.

Octane Used Cars doesn't just offer cars; we offer solutions and opportunities. Our mission is to empower you with the freedom of reliable transportation while assisting in your credit recovery journey. We invite you to explore our wide range of high-quality used vehicles and experience the Octane difference. Your road to worry-free car financing starts here with us.

We support for all credit situations

Octane works with all major banks to provide financing to non-prime customers who need a reliable vehicle. If you have questions, simply apply for financing and we’ll be in touch.

Why are we the best?

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Our Exceptional Finance Team
What sets us apart from the rest is our exceptional finance team. Our experts have honed their skills and knowledge through years of experience in the industry. They understand that every individual's financial situation is unique, and they're committed to helping you overcome any obstacles that may stand in your way. With an extensive network of 26 reputable lenders, we have the resources and expertise to craft tailored financing solutions that cater to your specific needs.
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Thoroughly Inspected
Every vehicle in our inventory undergoes a rigorous inspection, guaranteeing top-notch quality for your peace of mind. Additionally, we provide comprehensive vehicle history reports for every car in our collection, further enhancing your confidence in your choice.
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Hassle-Free Financing
Utilizing our extensive network of major banks and lenders, we streamline the approval process for all credit situations, ensuring swift and effortless approvals, and securing the most favorable rates and terms.
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Ontairo wide Delivery
Found a car you adore at one of our locations? We'll bring it directly to your doorstep, no matter where you are in Ontario.
Transparency and Trust
We believe in transparent and ethical business practices. Our sales team is here to answer your questions, guide you through the buying process, and provide you with all the information you need to make an informed decision.
Complete Protection: Extended Warranties, GAP Insurance
At Octane Used Cars, we offer complete protection. Our extended warranties cover major components, shielding you from unexpected repair costs. Plus, our GAP (Guaranteed Asset Protection) insurance ensures financial security in case of theft or a total loss accident, eliminating any gaps between your loan balance and your vehicle's value. Your peace of mind is our priority.

Lets find you the perfect ride!

Don't worry, you can change your mind about the vehicle type later.

Select your monthly budget

By informing us of your budget, we can align you with the vehicles for which you qualify.

Credit Score

⚠ Credit Score Helps Us Find You a Suitable Loan Offer

Confirm eligibility

What is your date of birth?

⚠ Program eligibility in Canadian provinces and territories varies based on age.

Employment status

⚠ The status of your employment helps us determine the appropriate loan program for you.

Employment details

Where do you work?

Occupation or Job Tittle
Please specify an answer
Company Name
Please specify an answer

⚠ These employment details help us improve your chances of getting approved for a car loan.

Student employment status

⚠ The status of your employment helps us determine the appropriate loan program for you.

Employment details

Where do you work?

Occupation or Job Title
Please specify an answer
Company Name
Please specify an answer

⚠ These employment details help us improve your chances of getting approved for a car loan.

What is your income?

(Before taxes or deductions)

$
Please specify an answer

⚠These employment details help us improve your chances of getting approved for a car loan.

Employment status



⚠ The status of your employment helps us determine the appropriate loan program for you.

Do you have any additional income?

⚠ Your income details show that you have the resources to make your monthly or bi-weekly payments, increasing your approval rate.

Additional monthly income?

 How much do you recieve monthly before taxes and deductions?

$
Your income (before taxes) is required
Please specify an answer

⚠ Your income details show that you have the resources to make your monthly or bi-weekly payments, increasing your approval rate.

Employment length

⚠ Providing the length of the time you have been receiving this income helps us better understand your employment situation, increasing the likelihood of you getting approved.

Address details

What is your home address?

Please specify an answer

⚠ Available programs vary based on where you live. Please help us find the most convenient option for you by entering your home mailing address above.

Congratulations!

You have been Pre-Approved

First name
Please enter your first name
Last name
Please enter your last name
Email address
Please enter a valid email address
phone-landline
Please specify an answer

⚠ To complete your application and access your loan we need your basic information.

Thank You for Your Financing Application!


We appreciate your interest in financing your next vehicle through Octane Used Cars. Your financing application has been successfully submitted, and we're excited to assist you in finding the perfect car to fit your needs and budget.


Our dedicated team of financing experts will carefully review your application and assess your financial profile. You can expect to hear from us very soon. In the meantime, please keep an eye on your email and phone for further communication.


Explore More at Octane Used Cars

While you wait for our financing team to work their magic, why not take a moment to explore our extensive inventory of high-quality used cars? We take pride in offering a wide variety of makes and models, ensuring that you'll find a vehicle that suits your lifestyle and preferences.


Feel free to browse through our inventory and discover the car that could soon be yours. Don't hesitate to reach out to us if you have any questions or if there's a specific vehicle you're interested in. We're here to assist you every step of the way.


View Our Inventory

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