Finance and pick a car you will love.
Get pre-approved and select a car from three options that fit your budget at the Shifter partner location you've been matched with. Shifter matches you with a personal shopper anywhere in Canada. Discover what you qualify for. There's no obligation to buy.
We do things different.
Approval First. Car Second.
Shifter flips the traditional car-buying model. You get pre-approved before shopping, so every vehicle you see actually fits your budget and credit profile.
No Time Wasted on “Maybe” Cars
Unlike dealerships that show vehicles hoping they can make the numbers work, Shifter only matches you with cars you can realistically get approved for - no bait-and-switch.
Personal Shopper at a Local Dealership
You’re matched with a dedicated finance manager and personal shopper at a Shifter dealership near you, anywhere in Canada -combining online convenience with real human support.
Nationwide Access, Local Experience
Shifter works coast to coast, giving Canadians access to vehicles and financing options beyond what a single dealership can offer, while still keeping the experience local.
No Obligation, No Pressure
Getting approved with Shifter doesn’t lock you into a purchase. Discover what you qualify for, explore your options, and decide when - and if - you’re ready to buy.
Built for Buy, Trade, and Refinance
Whether you’re buying a vehicle, trading one in, or refinancing an existing loan, Shifter offers a complete do-over on your auto financing - without starting over at a dealership desk.
Shifter has a growing network of Finance Managers waiting to assist you anywhere in Canada.
Find out what
you qualify for.
At Shifter, we believe the future of car-buying doesn't happen inside a dealership. Get pre-approved online and then select a vehicle that fits your budget.
Unlike traditional dealerships, Shifter will not waste your time by showing you vehicles that you cannot get approved for. Unlock your options with a finance manager and discover the difference buying with Shifter makes.
Keep the car you love
and refinance it.
Get a lower interest rate and lower monthly payment on the car you already love driving. Save thousands over the term of the loan.
Frequently asked questions
that we are asked.
Shifter is different and we get asked the same questions often. Review our frequently asked questions to find an answer.
Our customers love us.
At Shifter, our customers are at the heart of everything we do. Here’s what our customers love most about their experience of getting started with Shifter.
“I was nervous at first that I wouldn't get approved, but managed to get a 2021 Corolla.”
— Maya R. from Toronto, ON
"This is my fourth car purchase, but first time ever doing it without a dealer. Shifter made it so easy."
— David H. from Calgary, AB
“I was approved with 6 months no payments which was a life saver at the beginning of the school year.”
— Hardeep C. from Winnipeg, MB
