Competitive rates
We compare offers from several lenders so you don't overpay on interest.
Auto Financing
Car financing,
made simple.
Pre-qualify online in minutes with options for every credit situation. We shop multiple lenders so you get a payment that fits — no pressure, no surprises.
- ✓ Won't affect your credit score
- ✓ Every credit situation
- ✓ Multiple lenders, one application
All creditNew, rebuilding & newcomers
Multiple lendersOne application
$0 downAvailable for qualified buyers
~5 minTo apply online
Payment calculator
Estimate your payment
A quick estimate — your real rate depends on the vehicle, term, and approval.
Estimated payment
$0 / bi-weekly
$0 / month
Apply for this paymentEstimate only. Taxes and fees not included.
How it works
Approved in four simple steps
-
1
Apply online
Fill out a short, secure application — about five minutes, no obligation.
-
2
We shop lenders
We submit your application to multiple BC lenders to find your best fit.
-
3
Choose your terms
Review your offers and pick the payment and term that work for you.
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4
Drive away
Sign, get the keys, and drive home — pickup or delivery across the Lower Mainland.
Why Spinny
Financing built around you
Flexible terms
Weekly, bi-weekly, or monthly payments and terms that match your budget.
Every credit situation
New credit, newcomers to Canada, past bankruptcy, or rebuilding — we have options.
No surprises
Transparent pricing and a real advisor — taxes and fees explained before you sign.
FAQ
Financing questions, answered
Will applying affect my credit score?
No. Submitting a pre-qualification request does not affect your credit score. A hard credit check only happens later, with your permission, once you choose to move forward with a specific lender.
Can I get financing with bad or no credit?
Yes. We work with multiple lenders across BC and offer options for every credit situation — new credit, newcomers to Canada, past bankruptcy, and rebuilding credit. Approval focuses on your income and stability, not just your score. See our bad-credit financing guide.
How much of a down payment do I need?
It varies by vehicle, lender, and credit profile. Many customers qualify with little or no money down, and 10–20% down typically improves your rate.
How long does pre-qualification take?
The online application takes about five minutes. Because we submit one application to several lenders at once, you usually hear back the same day.
I'm new to Canada — can I still finance?
Yes. We have newcomer programs that focus on your income and status rather than a long Canadian credit history. Read our newcomer financing guide.
Ready to get pre-qualified?
Apply in about five minutes. No obligation, no impact to your credit score.
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