Car Loan Rates

Our Credit Policy

You want to secure a loan that works for your budget. Here at OCAL Financial, we work with Canada’s largest lenders to help you find the best interest rates and terms for your auto loan.

Interest Rates and Loan Terms

What are my interest rate options?

We work to secure auto loan rates from Canada’s largest lenders. Your interest rate is critical for determining the total cost of your auto financing. Car loan interest rates in Canada are based on your bank and other factors like loan amount, your credit score, and your current budget. We help you find low or average interest rates available for your auto loan.

How long will my loan term be?

Our goal is to find the right car and the right loan for you. Because we have relationships with so many different lenders, we can help you find the right term length for your budget. The longer the loan is, often the lower the monthly payments will be, but the more expensive the loan will be overall. Most of the loans we secure for our clients are between 36 and 72 months.

Benefits of getting an auto loan with OCAL Financial

For many people getting a reasonable auto loan is the best way for them to get a new car. However, the benefits of getting the right loan go beyond just being able to drive a nice vehicle.

When you work with OCAL Financial, there are never any hidden costs or fees! We lay out all the terms and conditions so that you know exactly what the details of the loan are before you sign anything.

Get your dream car with Bad or No credit

One thing that makes us different is how we approach bad credit auto loans. In our aim to help customers with bad or no credit, we take smart steps to help shoppers naturally restore their credit so that they can get the car they want. Even if you can’t afford it right now, we will take you through these steps until you are a happy owner of your dream car:

1. Get Your Starter Loan

You receive a reasonable loan for auto financing.

2. Restore Your Credit

Restore your credit by diligently repaying your loan on time.

3. Re-apply

Once your credit is restored to a sufficient level, you can apply for a better loan.

4. Get Your Dream Car

Enjoy your new car and your newly improved credit.

OCAL Financial provides a super simple way to get the best auto/personal loans. No commitment, waiting times, or long meetings.

604-687-7765

500 - 885 Dunsmuir Street, Vancouver, BC V6C 1N5 10515 - 103rd Ave NW Edmonton, AB T5J 4P7