Your credit score could lead to a lower interest rate on your next car loan
Drive your way to better rates by checking and improving your credit score for free, forever
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Checking won’t affect your credit score
Why your credit score matters
Increase your chances of loan approval
Whether you’re trading in, refinancing, or buying a new car, lenders like CanCap review your credit score and report to understand your risk profile before making a lending decision.
Potentially secure a lower interest rate
Your credit score is one of the main factors lenders consider when setting your loan rate, and understanding it can help you unlock better rates and make your purchase more affordable.
Be ready for life's big moments
When big moments come up — buying a home, financing a car, starting a business, or covering unexpected medical costs, your credit score dictates whether you can access affordable credit quickly and on good terms.
Check your credit score for free, forever
ClearScore is always free for Canadians—no card required, no trial ticking down. Sign up in under 3 minutes with no impact to your credit score.
Build better credit habits
See the full picture of your finances and track factors that shape your score. Get a summary of your borrowing, monitor your accounts, and track your payments all in one place.
Stop fraud in its tracks
We monitor your credit report and let you know if something isn’t quite right, giving you peace of mind. Rest easy knowing your personal and financial information is being protected.
Go debt-free sooner
Use the free debt-repayment simulator to figure out how you could reduce your monthly payments and become debt-free faster. Discover your predicted payoff date, adjust the scales, and play with the possible.
Use this calculator to see what your monthly loan repayments could look like.
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The numbers you'll see are a guide only.
The monthly payments will be
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The total amount repayable is
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The interest for the loan will cost me
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APR means annual percentage rate. It's made up of the interest rate and other charges you might have to pay (like an annual fee). We've added a representative example already, but you can change it. Bear in mind that these numbers are intended as a guide only.
Join Canada’s fastest growing credit score app
See for yourself why 25 million people worldwide choose ClearScore to take control of their credit and build a better financial future.
Download the app
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