HOW IT WORKS

How ReadyLoans Works

Three steps. Zero pressure. Your car delivered free.

01

Apply online in 2 minutes

Fill out our secure form from any device. We ask for the essentials only — no 20-page applications. Soft credit check means zero impact to your score.

Woman applying for auto financing on her phone
02

We find your best rate

Your application goes to 15+ lenders simultaneously — CIBC, TD, Scotiabank, RBC, National Bank and more. They compete for your rate. You'll hear back within 2 minutes.

Person receiving financing approval on smartphone
03

Your car comes to you

Pick from 1,500+ vehicles across Ontario and Quebec. We deliver anywhere — your driveway, your office, wherever works. Free delivery, always. Sign at home. Drive the same day.

Car being delivered on a flatbed truck

Frequently Asked Questions

No. Our initial application uses a soft credit check, which has zero impact on your credit score. A hard check only happens if you choose to proceed with a specific offer.

We work with all credit situations — from excellent to challenged. Our network of 15+ lenders means we can find options for nearly everyone.

Most applicants hear back within 2 minutes. Once you choose a vehicle, delivery typically takes 3–5 business days.

Yes, 100% free. We deliver anywhere in Ontario and Quebec at no cost to you. No hidden delivery fees.

To get started, you just need basic contact info and employment details. If approved, you'll need a valid driver's licence, proof of income, and proof of address.

Ready when you are.

Apply in minutes. No obligation. No credit impact.

Start Your Application →
Ontario & Quebec · 1,500+ vehicles · Decision within 24 hours
Questions? Call us: 1-855-627-7737