About us
Refinancing for drivers, not dealerships.
CarRefinancing.ca helps Canadians replace an expensive car loan with a better one, keeping the vehicle they already own and the budget they already run.
We are owned by Dealerhop Finance Ltd. and our applications are processed by SafeLend Canada.
Our story
Built to fix a loan most drivers were never meant to keep.
CarRefinancing.ca started with a simple observation: thousands of Canadians drive home from a dealership with a loan that fits the salesperson's month, not the driver's budget. A year or two later, the car is fine. The rate is not.
We built a platform that lets drivers replace that rate without replacing the car. No trade-in, no new purchase, no sales tax. A refinanced loan pays out the old one and sets a new payment and term that actually fits the life the driver is living now.
We work Canada-wide, everywhere except Quebec, where our lending partners do not currently operate. Pre-qualification is free and requires no credit check, so a driver can see their options before anyone pulls their file.
CarRefinancing.ca is owned by Dealerhop Finance Ltd., and refinancing applications are processed by SafeLend Canada. We are not a bank. We are the team that stands between a driver and a better loan, and we do the work most people do not have the time or the contacts to do themselves.
6.93%
Rates as low as, APR
9
Provinces served
100%
Same-vehicle refinancing
$0
Cost to pre-qualify
What we stand for
Six things a driver can count on from us.
The car stays yours
Refinancing is not a sale. Your vehicle, plates, registration and insurance do not change. Only the loan behind the car does.
No credit check to pre-qualify
See your options first. A full application may involve a hard inquiry, but pre-qualification does not touch your credit file.
Transparent numbers
We show the rate, the payment and the term up front. No fees hidden inside the monthly figure, and no surprise at signing.
Canada-wide, except Quebec
Drivers from British Columbia to Newfoundland can refinance. Our lending partners do not currently operate in Quebec.
No obligation, no cost to ask
A quote is free. A driver can review their numbers and decide the loan they have is the loan they want to keep.
Signed from home
Documents go out through DocuSign. Most refinances complete within one business day to a week, depending on the lender.
How the platform works
The people behind your new loan.
We are clear about who does what, because a loan is only as trustworthy as the hands it passes through.
Get my free quoteWho owns the platform
CarRefinancing.ca is owned by Dealerhop Finance Ltd., a Canadian finance company focused on vehicle lending.
Who processes the loan
Refinancing applications are processed by SafeLend Canada, our lending partner. SafeLend pays out your current loan and sets the new terms.
Who you talk to
A finance manager reviews your file, answers questions and sends documents through DocuSign. You sign from home and never visit a dealership.
What it costs to ask
Nothing. Pre-qualification is free and requires no credit check. You only move forward if the new rate and payment make sense for you.
Start saving and keep driving your car
You could save $1,000's in interest. It starts with one short application.
Free to apply, no obligation, and no credit check to complete your pre-qualification.
*No credit check is required to complete the initial pre-qualification. This is not a loan approval or a guarantee of financing. Final approval, rates, terms and conditions are subject to lender requirements and may require a credit check.