Trade-In & Upgrade Program — Ontario

Trade In Your Car & Get Approved for a New One — Even with Bad Credit

Use your current vehicle's value as a down payment. Get a better car, lower payments, and a fresh start — all in one step.

Any credit accepted Negative equity OK 3-minute application No obligation

Step 1 of 50% complete

Tell us about your trade-in

We'll use this to estimate your vehicle's current market value.

Vehicle Year

Make

Model

Apply your vehicle's equity directly toward your new car — reduce what you owe from day one.

Owe more than your car is worth? We work with lenders who can roll it in and still get you approved.

We specialize in trade-in financing for Canadians with bad credit, collections, or past bankruptcies.

Most applicants receive a decision within hours. Drive away in your new vehicle faster than you think.

Fill out the 5-step form above with your vehicle details.

We pull current Ontario market data and call you with your trade-in value.

Browse our inventory or tell us what you're looking for.

Your trade-in equity is applied. Sign and drive — same day in most cases.

25+

Canadian Lenders

25+

Lending Partners

Down Payment Required

1 hr

Average Response Time

Yes. If you have negative equity (owe more than the car is worth), we can roll the remaining balance into your new loan with the right lender.

Absolutely. A trade-in reduces the amount you need to finance, which lowers lender risk and significantly improves your approval odds.

We use current Ontario market data to estimate your vehicle's value. The final appraisal is done by the dealer at pickup.

No. You can start your application online right now. The physical appraisal happens when you pick up your new vehicle.

We accept most makes and models in any condition — running or not. Even high-mileage or damaged vehicles have trade-in value.

Start your 3-minute trade-in assessment above — or jump straight to the full application.