Toronto Auto Loans offers bad or good car loans. Toronto Auto Loans provides consumers with the best rates on all credit types. Toronto Auto Loans has a network of the most reputable lenders and can provide the highest interest rates, as well as the best in-house finance options. The interest rates for newer vehicles are often lower. Terms of vehicle financing terms will vary depending on the year, credit score, and cash down payment. Most applicants can get financing with zero down payments, however, some may need to make a down payment. Finance is available for any year, but most vehicles can only be financed for up to 14 years. The interest rate on vehicles of the latest model years is typically lower than those from previous model years. Finance terms and loan terms may differ for older models. You can get pre-approved here.