Call us at (780) 244-2222

Secure Used Car Financing Approval in Minutes!

At Moto Auto, we make it easy for you to get behind the wheel with our fast and secure used car financing options. Whether you have good credit, bad credit, or no credit at all, our expert finance team works with a wide network of trusted lenders to get you approved in just minutes. We’re committed to helping you find the right vehicle and the right payment plan to fit your budget. Experience hassle-free financing and drive away with confidence — only at Moto Auto. Apply today and get one step closer to your next car!

Why Finance with Moto Auto?

Explore the Moto Auto Advantage

Extensive Vehicle Selection:
At Moto Auto, you’ll find a wide variety of quality vehicles to suit every need — from dependable sedans like the Toyota Camry to rugged SUVs and powerful trucks by leading brands including Nissan, Dodge, Jeep, GMC, and Ford — all priced competitively to fit your budget.

Flexible & Affordable Financing:
Take advantage of $0 down payment options and weekly payments starting as low as $39. Our pricing is always transparent, with no hidden fees — what you see is what you pay.

Top Lenders & In-House Financing Options:
We work with leading lenders like TD Auto Finance and CIBC, and also offer flexible in-house financing solutions to support all credit types — whether your credit is good, bad, or you’re just starting out.

How It Works at Moto Auto

Fill Out Our Easy Car Loan Application
Complete our secure online form in under 2 minutes — the first step to getting approved for your next vehicle.

Speak with a Financing Specialist
A dedicated Moto Auto finance expert will contact you to review your options and tailor a solution to match your credit and budget.

Choose Your Vehicle
Browse our extensive inventory of certified pre-owned vehicles. Book a test drive and find the car that suits your lifestyle.

Drive Away with Confidence
Once approved, you’ll be on the road in no time — rebuilding your credit while enjoying your new ride.

Start your journey with Moto Auto today — fast, easy, and stress-free used car financing is just a click away!

Pick A Vehicle And Get Approved

Sedan

SUV

Truck/Commercial

Minivan/Van

Moto Auto: Your Trusted Partner for Used Car Financing Success

At Moto Auto, we’ve helped over 5,000 customers secure financing since 1999 – from first-time buyers to newcomers to Canada and those rebuilding credit. We understand that everyone’s situation is different, and that’s why we tailor our financing approach for real people with real challenges.

“Billy was incredibly helpful with my recent used car purchase. His knowledge and honesty made the entire process smooth and stress-free. If you’re in the market for a reliable used vehicle, Billy is definitely the go-to person. Highly recommend!”
– Tabby Thuwaini

“Billy was very friendly and knowledgeable and extremely helpful. He made my buying experience less stressful and a wonderful experience.”
 – Deirdre Nolan

“Krystal and Reda are fantastic!!! Very helpful, amazing service and got me into a used vehicle that meet all my needs!! Highly recommend them for any of your vehicle purchases, they have a great selection.”
– Todd Baxendale

Our finance team includes OMVIC-certified professionals with over 50 years of combined experience. We work closely with trusted lenders like TD Auto Finance, Scotiabank, and National Bank to offer you competitive rates, even if your credit is less than perfect.

Want proof of our community values? Explore our charity efforts and community outreach to see how we give back to Cambridge and beyond.

Our Reviews

Steve Oreilly

Steve Oreilly

The guys were great,easy to talk with very understanding and knowledgeable.I was dealing with Rick and Reda both had great personality as well.

Mike Larsen

Mike Larsen

I swear i have never in 25 years of buying cars had as good of a experience as i did with them. Billy worked endless to make things happen. He was absolutely amazing dealing with my wife and I. If you need a new ride and you want to have a fair honest person to handle your claim Billy is your man. Thank you Billy and Thank you Moto Auto.

Elwood Bitoon

Elwood Bitoon

Rida helped us a lot and the one and only person will not sugar coat and making fake promises. 100%! This guy and his auto shop is highly recommended!

Ireen Pamela Bitoon

Ireen Pamela Bitoon

Very nice customer service. Hassle free and they did a great job for getting us a new car for a family of 4. Thank you so much for the help!👍🏻

Vibhuti sheta

Vibhuti sheta

Amazing Experience!. Rick helped me a lot throughout the process. Staffs are wonderful. Highly recommended. Thank you so much for all help.

Amanda Kovacsics

Amanda Kovacsics

i had the pleasure of working with april and rida! they were great and super professional to work with!
– amanda clark

Helene

Helene

Slick, stress-free service. Great work. Thanks Billy 😊

LTay’s Lab

LTay’s Lab

We received spectacular service from Rick! I would recommend them 100%. We are very happy with our purchase!

Caleb Pearse

Caleb Pearse

What else can I say, but thank you to Billy for the outstanding work he put into getting my wife and I into a “new to us” SUV. Built was genuine about getting us the best deal, making sure to honour what we needed as customers in order for a deal to be made, and he went above and beyond, making sure we had an excellent and safe vehicle for our family. Would definitely recommend 10/10

Trevor Munro

Trevor Munro

Excellent place to buy a car! Great experience from start to finish. No pressure sales and very friendly and supportive. Would recommend to anyone.

Melinda Chalifoux

Melinda Chalifoux

I really appreciate we received from Billy. We love our new ride

David Lai

David Lai

Really good experience! Def worth checking them out. Nothing but good things to say about all there reps!

Peggy Nepoose

Peggy Nepoose

Dealt with Rick Bourque here, was amazing and helpful service. Greatly appreciate their help with a vehicle and all their help after.

Ashley Dayl

Ashley Dayl

Billy was super helpful. Thank you.

Crystal Littlejohn

Crystal Littlejohn

Highly recommend this dealership! Go see Rick he will go above and beyond for you!

Taleb mokhtar Med

Taleb mokhtar Med

Go see Billy he was great

arnel brian

arnel brian

i have been looking to get approved for finance, i tries most of Calagary and Edmonton dealeships but no one was able to approve me without a cosigner, but Gus was able to get me a 2017 ford Escape with no co singer and a low payement, staff was amaizng ans i highly recommend MotoAuto

Tricia Karpiuk

Tricia Karpiuk

Great staff with great selection. I’m very satisfied.

Dereck Lane

Dereck Lane

Great service Rick went above and beyond to get me into the SUV I wanted highly recommend

Krisk K

Krisk K

Wow!!!!Krystal from Moto Auto was so absolutely AMAZING Fabulous in Getting me back on the road with a low monthly payment in a stunning newer used vehicle. And thanks to Reda for finding me my new ride! It Has been an awesome experience. Thank you.♡♡♡

Apply for Used Car Financing at Moto Auto Today!

If you’re searching for a new vehicle and want to secure the best financing rates, let Moto Auto simplify the process for you. Choose your desired vehicle and complete our quick credit application form—our team will get back to you promptly to discuss your financing options and ensure you get approved for the car you’re interested in.

Prefer a more hands-on experience? Visit Moto Auto to explore our wide selection of quality vehicles. Our dedicated team is here to help you find the perfect vehicle that suits your lifestyle and budget!

FAQ

What credit score do I need to finance a used car?

For the best possible interest rates, 650+ is ideal, but financing options are available for scores as low as 500 with higher interest rates.

Can I finance a used car with bad credit or no credit?
Yes, many lenders offer options for bad or no credit. You can improve your approval chances by providing proof of income, a co-signer, or a larger down payment.
What are the interest rates for used car loans?
Currently interest rates range from 7% to 25%, depending on your credit score, loan term, and vehicle age. Excellent credit can secure rates as low as 6.5%. If you’re looking for the best used car loans, we can help you get the best deals!
How much should I put down for a used car loan?
Downpayment is not required to get approved, but can help your chances by showing you are invested in the purchase. A down payment of 10-20% of the car’s price is considered a good investment. A larger down payment can reduce your monthly payments and total interest.
What loan terms are available for used car financing?
Loan terms usually range from 36 to 72 months, with some lenders offering terms up to 84 months.
How can I get pre-approved for a used car loan?
Pre-approval can be done online or in person with banks, credit unions, or dealerships. You’ll need personal information, proof of income, and employment details.
Can I use my current car as a trade-in?
Yes! Trade-ins can be applied as a down payment, and the value will reduce the amount you need to finance.
Are there any hidden fees in used car financing?

At Moto Auto, we pride ourselves on being completely transparent. There are no hidden fees when you finance with us. Any applicable charges, such as loan origination or optional warranties, will be clearly explained upfront so you can make an informed decision.

Can I refinance my used car loan later?
Yes, refinancing is possible if your credit improves or interest rates drop, potentially lowering your monthly payment or interest costs.
How do I know how much I can afford?
Your car payment should generally not exceed 25% of your monthly income. Use our online loan calculator to estimate payments. Financing a second-hand car has never been easier with flexible terms and transparent processes!