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Auto Loans

TD offers flexible financing options designed to get you behind the wheel with the right car loan.

Count on us

  • Dealership network
    Find your ideal automotive or recreational vehicle through our nationwide network of dealerships.
  • Tailored financing
    We offer competitive rates, flexible terms and payment options with you in mind.
  • Up-front financing
    Apply for only the amount you need for the car you want within your budget.
  • Award-winning dealer satisfaction
    Thanks to our dealers, TD Auto Finance received the J.D. Power award for Highest Dealer Satisfaction with Non‐Prime and Prime Credit Non‐Captive Automotive Financing Lenders. This marks the 7th year in a row for the Non-Captive Non-Prime segment1.

Financing

Whether you’re looking for a new or used car, truck, RV or SUV, TD has financing solutions that can help you.

  • Choose from flexible amortization terms - up to 96 months on select vehicles - and a fixed  or variable  rate financing to suit your needs.
  • You can select the payment schedule that works for you.
  • Ask for financing through TD when you're ready to purchase.

Welcome to TD WheelsTM

The new TD Wheels app may help you get behind the wheel with financing through TD Auto Finance.

Get the app

Financing with you in mind

  • Financing Additional Needs

    We help with financing for warranties, gap insurance, tire storage and more based on qualifying criteria.

  • Payment Extension

    We can work with you should you need flexibility with your payments where qualified.

  • Lump Sum Payments

    You can lower your payments and pay off some or all of your loan without penalty.

  • Competitive Renewal Rate

    TD Auto Finance offers competitive renewal rates for our customers who buy RVs, boats, powersport vehicles, cars or trucks.

  1. New vs used
    Consider your budget and financial goals when deciding which type to buy.

  2. Cost of ownership
    Consider monthly payments, fuel and maintenance costs.

  3. Insurance
    Coverage costs vary depending on driver's age, model of car and driving record.

  4. Additional costs
    Keep in mind that unexpected and additional costs can come in the form of parking spot rentals, street parking permits and even seasonal tires.

  1. Electric vs gas
    Consider environmental impact vs cost and convenience.

  2. Looking ahead
    Are you more likely to own the car over the long term or wish to trade-in/trade up.

  3. New to Canada
    TD Auto Finance offers financing for your new stage in life.

  4. Re-establishing credit
    Don't let previous negative credit slow you down on the road to a vehicle purchase. You may qualify for financing which may help you rebuild your credit rating. Certain terms and conditions apply.

Explore the financing options and choose the one that's right for you.

Loan

Lease*

You own outright after all payments are made

You don't own the car at the end of lease term.

The possibility of lower overall cost

Potential for higher cost based on lease terms

Usually greater flexibility to customize your car

Return vehicle in original condition; subject to permitted normal wear and tear

Unlimited driving

Limited kilometers

Flexibility to pay off your loan in whole or in part without penalty

Early termination of the lease may be costly

TD offers a variety of incentives and competitive financing options. Enjoy:

  1. Competitive rates

  2. Flexible financing

  3. Dealer programs

  4. Trusted nationwide partnerships

  1. TD Home Equity Line of Credit*

  2. Personal Line of Credit*

  3. Other lending options*

I'm buying my:

Applying for a TD Auto Finance loan is easy

We work with a large network of dealerships across Canada who can provide you with exceptional rates and financing options.

  • Visit your local dealership and ask for a TD Auto Loan
  • Use our new TD WheelsTM app to find a dealer near you

How to Apply

Have a question? Find answers here

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