AutoPlug connects Canadians with trusted lenders and dealerships to get approved for car financing—even with bad credit, high debt, or negative equity. We’re your inside connection to better options.

We specialize in helping people with low credit scores access auto loans by matching them with lenders who consider income and stability—not just credit.

Yes. AutoPlug can help roll your negative equity into a new loan with better terms, making it easier to upgrade your vehicle and consolidate debt.

Not always. Many applicants qualify on their own, but having a cosigner may increase your approval odds or lower your interest rate.

Anyone aged 19–65 with a steady income and a valid Canadian driver’s license can apply. We work with a wide range of financial profiles.

AutoPlug works with lenders who specialize in second-chance financing. If you’ve been turned down before, we may still be able to get you approved.

We work with a wide range of vehicles—from compact cars and SUVs to trucks and vans—based on what you qualify for through our lenders.

Yes. We can help you refinance for lower payments, better interest rates, or to free up cash if you're in a high-interest loan.

Absolutely. We help you trade in your current vehicle—even if you still owe—by working with lenders to roll the remaining balance into a new loan.

AutoPlug focuses on loan approvals first. We help you get pre-approved based on your credit and budget, then match you with vehicles—not the other way around.

Many applicants receive pre-approval within 24 hours. Final approval can be even faster once we receive your documents.

Most lenders prefer a minimum income of $1,800–$2,200/month before taxes, but requirements vary based on your credit and expenses.

Yes. We work with lenders who accept non-traditional income sources like self-employment, gig work, or contract jobs.

We currently serve British Columbia and Alberta, with plans to expand into Saskatchewan and Ontario soon.

Your application may result in a soft or hard inquiry depending on the lender, but we work to minimize the impact on your credit.

Yes, a valid Canadian driver’s license is required by most lenders. In some cases, a learner’s license may be considered with a cosigner.

Yes. AutoPlug offers a secure, mobile-friendly process for uploading pay stubs, IDs, and other required documents.

No. Our service is 100% free for applicants. You only pay for your car once you're approved and decide to move forward.

You’ll get a call or message from our team to confirm details. Then, we match you with the best loan and vehicle options based on your situation.

Yes. We regularly help people who have been through bankruptcy or a consumer proposal re-establish credit with a car loan.

Yes. We help newcomers and young drivers with limited credit get their first auto loan through flexible lenders.

We’re a loan matching service. That means we connect you with lenders and dealers who are best suited to your needs.

That’s totally fine. We’ll guide you through the application and help you understand what you qualify for based on your income and situation.

Yes. Once you’re approved, you’ll get access to vehicles that match your budget and loan terms—then you choose what fits you best.

You can reach us through our website contact form, email, or by phone. Our team is here to help with any questions you have.