No credit check

Instant loan

Same Day, No Credit Check Financing

Driver Capital offers affordable financing for car repairs and accessories, with loans up to $10,000 with no money down. Our loans use the value of your vehicle – not credit scores.

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We have options

Whether you have no credit, fair credit or excellent credit, we have financing options for you. Our loans for car repairs have fast approval, low rates, and flexible payment options—all without the hassle of traditional lenders.

Determine your Max Loan Amount based on the value of your vehicle—no credit check required! Your credit score will not be impacted, and you can determine your Max Loan Amount in seconds. Once you know your max loan, you choose the program that works for you:

Option 1$0 Down - Drive Today!

Get the repairs you need with $0 cash down and No Credit Check! Instantly finance your car repairs and get back on the road today with fast approval, flexible terms, and low monthly or bi-weekly payments. No hassle, just easy financing when you need it most!

Option 2Don't Pay for 90 Days

Car repairs can be unexpected—but your payments don’t have to be. Need extra time? No problem! Get the same great benefits of our No Credit Check program but with no payments for 90 days. Get approved instantly, get back on the road, and start paying when you’re ready!

Option 3Your Credit, Your Rate

Choose to have your credit checked and unlock a rate that reflects your score! With rates starting as low as 9.9% and fast approvals, you can drive with confidence knowing you've secured the best rate possible—tailored just for you!

All our loans can be paid off anytime, without penalty

Trusted Across Canada

With our network of over 500 service centres across Canada, we have you covered no matter where you are.

Locate a Service Centre

Guaranteed Financing

No-credit-check financing

No credit? No problem. Because your Max Loan amount is based on the value of your vehicle, you’ll get the money you need regardless of your credit score and without the need for a credit check.

Same Day Loans

Zero to approved in seconds

Get your loan approved the same day for up to $10,000 with a guaranteed Max Loan you can use instantly, with no penalties for early payouts.

Financing Solutions

Options for Every Credit Profile

We offer financing solutions for everyone, from no-credit-check loans to low-interest options for qualified borrowers. Our rates are lower than credit cards and other high-cost lenders, so you can afford repairs and upgrades with ease.

Your choice

Financing Solutions

Repairs, maintenance, accessories. Use your loan your way, right down to how you make your payments. Rest easy with smaller monthly or bi-weekly installments for up to 3-years.

We’ve turbocharged the loan process

No credit checks required means a 100% approval rate 1

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How our auto repair financing works

Step 1Calculate Your Max Loan

Share basic vehicle information and you’re set for your Max Loan Guarantee. We’ll email you a code that you can take to any Service Centre to get the process started.

Step 2Service Your Vehicle

Visit a Service Centre where we’ll gather the information required to set up your loan. We’ll then fit the vehicle with our Shepherd Protect system.

If you have questions please visit our Shepherd Protect page.

Step 3Start Payment and Manage Account

We’ll send friendly reminders of your loan payments through SMS. You'll also be able to manage loan payments and track your vehicle through our online portal.

Frequently asked questions

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Testimonials

Hear what others have to say about using Driver Capital loans.

I received the letter for the Lien release on my 2016 Ram that I wrote off! Thank you for helping me out this month with all the texts and emails for this loan that I had questions with! Appreciate you having patience with me to pay this loan off even though the vehicle was written off a while ago! Thank you!

Remigiusz D.

Tires & Suspension

Thank you very much. You guys have been great to work with and I have very much appreciated that you send the monthly reminders. Thank you very much for everything, especially being so efficient and quick to respond.

Connie N.

Transmission

I need to send a huge thank you to Driver Capital for really giving great service to me throughout my loan. They worked with me when Covid hit hard and provided me with some great options with my loan. Definitely a huge help and great customer care!

Jeff A.

Wheels & Tires

Calculate your guaranteed Max Loan

Get the funds you need and back in the driver’s seat today.