First-time buyers in Ontario
Original AutoMart Canada notes for shoppers in Ontario. Rates and programs change — confirm with a dealer, insurer, or the provincial government before you buy.
A first new-car deal in Ontario still needs a down payment or a trade, proof of income, and a credit file. Subprime is possible; “guaranteed approval” ads are not how Canadian lenders work.
HST at 13% on a new vehicle. Budget the out-the-door number, not the weekly payment on a 96-month loan.
Bring a driver’s licence, a recent pay stub, and the postal code you actually live at. Start the application on AutoMart; a partner will follow up. We do not make the credit decision.
City hubs in Ontario on this site include Ajax, Aurora, Barrie, Belleville, Bracebridge, Bradford West Gwillimbury, Brampton and Brantford and 73 more. Open the Ontario city list or the Canada map.