Ford models that refinance easily
- F-150 and Super Duty, which hold value well and are in constant demand.
- Escape and Edge, common family vehicles with predictable valuations.
- Mustang, where enthusiast demand supports resale.
- Transit vans, frequently financed for business use.
Watch the term on a Ford truck
Long terms are common on trucks because the payments are large. Bring the rate down and keep the term realistic, and the balance stops sitting above the vehicle value.
What you will need
Your VIN, current kilometre reading, an estimate of your remaining balance and proof of income. Pre-qualification does not require a credit check.
Who qualifies to refinance
Most Canadian drivers with an active auto loan qualify. The vehicle, the remaining balance and your payment history matter more than a perfect credit score.
- The vehicle is registered, insured and roadworthy, with no active insurance claim against it.
- The loan is an auto loan or a dealer-arranged finance contract, not a lease.
- You have made at least a few months of payments on the current loan.
- The vehicle is not already pledged as security on a separate title or payday loan.
- You live outside Quebec, where our lending partners do not currently operate.
Save thousands
Save thousands by refinancing your vehicle anywhere in Canada.
Free to apply, no obligation, and no credit check to pre-qualify.
Frequently asked questions
Yes. The warranty is unaffected by who holds the loan.
Yes. Some lenders ask for business income documentation instead of personal income.
Trucks generally hold up well, though very high mileage narrows the lender list.