Financing a car


We believe that your credit history, good, bad or otherwise shouldn't stand in the way of your next vehicle purchase. For this reason, our in-house Solution Specialists are here to provide you with a seamless financing experience that ensures you get the best possible lending rates. We have a great rapport with many banks and lending institutions, but most of all we have your best interests in mind. If you’re ready to step into a new vehicle, fill in our credit application to get the application process started. Apply for your used car loan today, and get driving with Tip Top Auto.




       Good Credit? Bad Credit? Our Solution Specialists Can Help
Our team has a wealth of information and is happy to discuss how any of these valuable extras can easily be included in your vehicle financing, ensuring your vehicle and your financing are covered without breaking the bank!



Getting a Car Loan at Tip Top


Fill out the form

Step One

Visit our secure financing portal and fill out the information required for a credit application or discuss your options with our team at and await a prompt and friendly reply.


Step Two

Once approved, One of our team members will contact you with your financing options and assist you with making a decision that best suits your needs.

Car with keys

Step Three

Choose and purchase the vehicle of your choice. We can help you find the affordable car loan you need to cruise the streets of Durham Region, Bowmanville, and beyond.


Financing Through Tip Top is Great, Here's Why:

Check mark We offer contract terms from 12-96 months with competitive interest rates starting at 4.99%

Check mark Most of our lenders require $0 down payment

Check mark No early termination charges

Check mark No fees for early payout

Check mark We provide a variety of warranty and insurance products to protect your investment- check out the Extras section below!

Check mark Many loans can be approved without proof of income providing a quick and hassle-free purchase process


But, What About Bad Credit?

Life happens, and sometimes unexpected things come up that can negatively impact credit rating. We get it. We are here to help you rebuild hurt credit and get you approved whatever your financial situation is. With years of experience in the automotive industry, we've developed a great rapport with reputable lenders all with different specialties, which increases the likelihood of getting you approved at a competitive rate. Once you've filled out an online credit application we will contact you with your pre-approval options and help get you on the road to rebuilding your credit. If you've got more questions about how to rebuild your credit please do not hesitate to contact us, it's our specialty!



Along With Your Financing...

In addition to securing you the best possible financing rates, we can also provide you with a variety of valuable extras to ensure you're covered. These include, but are not limited to:


Check mark Access to a variety of extended warranty packages through Lubrico, Assureway and Autogard

Check mark Loan Guard

Check mark GAP insurance

Check mark Roadside Assistance

Check mark Theft Coverage

Check mark Auto Key-Back

Check mark Car Payment Protection


Tip Top Warranty Coverage

A pre-owned vehicle doesn’t mean forgoing a comprehensive warranty. We are confident in our inventory and back up our stock with warranties from companies such as Canada General, Autogard and Global Warranty to find the best package at the best price. Pricing varies between companies and the plan chosen.


Apply for Financing Today!

Tip Top Auto is the place to go for automotive financing. So, if you’re looking for an auto loan, you’ve come to the right place. Tip Top Auto specializes in securing financing for virtually anyone. Even if you have bad credit, we're able to work towards getting you into an affordable used car loan.


Start Your Online Credit Application Now

Visit our secure financing portal and fill out the information required for a credit application.

Get Financed
Wondering why you might need an extended warranty?

Curious about how warranties work? Autogard has prepared an excellent tutorial video that should answer these questions and more:

Good Credit? Bad Credit? Our Finance Guru Can Help Go to Finance Info