Free instant tool · No credit pull

See your real monthly payment before you ever step on a lot.

Drag the sliders, pick your credit band, and watch the numbers update live. Built for GTA buyers navigating subprime financing, where rates typically run 12–29% APR.

✓ Updates instantly✓ Real subprime rates✓ No signup required

How it works

1Set the vehicle price, down payment & trade-in
2Pick the credit band that sounds like you
3Choose a term, your payment updates live

Subprime range 12–29% APR

↓ Tune the numbers below

1Vehicle price$25,000

$3,000$80,000

2Down payment$2,000

$0$20,000

3Trade-in value$0

$0$20,000

4Your credit14.99% APR

4%Fine-tune rate32%

5Loan term72 months

Estimated monthly payment

$486/mo

72 payments at 14.99% APR

Where your money goes

66%Principal

Amount financed

$23,000

Total interest

$12,007

Monthly payment$486/mo

Total cost of loan$35,007

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At 14.99% APR you'd pay $12,007 in interest over the life of the loan. A bigger down payment or shorter term cuts that down fast.

Get matched with a GTA dealer, free →

Estimates only. Actual rates depend on your credit profile, lender, vehicle age, and province. HST and licensing fees are not included.

Read the numbers like a pro

Three levers move every payment

Understand what actually drives the figure on screen, then pull the levers in your favour before you apply.

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Your down payment

Every extra dollar down shrinks the principal, and the interest stacked on top of it. The fastest lever you control.

Lowers principal

📊

Your credit tier

Subprime APRs in Canada run 12–29%. Even a small score bump can move you a full tier and save thousands.

Sets your APR

📅

Your loan term

Longer terms shrink the monthly number but balloon total interest. Shorter terms cost more now, far less overall.

Monthly vs. total