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We’re one of Canada’s fastest growing lenders Assisting customers with their financing needs for almost a decade

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or nearly a decade Canadian Automotive Reality Financial Inc has been providing financing for people with every type of credit in Ontario. Our number one goal is to provide every one of our customers with the highest level of assistance, regardless of their current financial situation.

We offer a range of financing options, assisting people with financing items such as Cars, Motorcycles, ATV’s, Boats, RV’s, and Trailers. With terms as long as 25 years, and no payment options for up to 1 year, on approved credit.

Our dedicated team of credit analysts is here to listen to your needs and provide you with the best possible loan available.

Our goal is to get you the lowest possible rate, regardless of your credit history. We specialize in loans for bankruptcy, divorce, bad credit, re-finance, proposal, repossession, new credit, missed payments, slow credit, and no credit. So whether you have good credit or bad we have the resources and the tools needed to put you back on track.

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Find out if what rate you are qualified for. It only takes 60 seconds.

  • What else can I say, but thank-you. All the best to Anna and the rest of the team. Sincerely,

    Wawa Ontario
  • O.M.G is all that I can say! The experience with Shannon Milo and his team was simply phenomenal. I had just been involved in an accident and my car had been written off. I was more distraught, disorganized and depressed than I had seen myself in a very long time. Right from the get go, the professionalism and sense of urgency and sincere care with which they exhibited was second to none. From the unbelievable approval in as little as 45 mins. My experience with them felt like they were more of a family than just workers. They go the extra mile to get you what you want and ensure you are satisfied. In the end all I could do was shed a tear in appreciation and joy for the unbelievable and remarkable service I received. If there is any other company that I would work with, it defintely would be Carfii. My sincerest thanks to Shannon, Marina and Anna for their undying love, help and support in helping me make this come back on the road a reality.

    Nii M. Adjei
  • I want to thank Anna for her wonderful help and service. I have never been made to feel so special and cared for. It maybe seems strange to talk that way about getting a car loan, but it’s true. Last year I was in a position of needing another car as the one I had was on its last legs. I was not able to get a loan anywhere, but the people at CARFI were able to make it work for me and I had wheels again. Then this year Anna called me and told me she could help me arrange refinancing at a lower interest rate. When I went to see her I was astounded at what she was able to do for me. I almost fell off my chair. So now I’m driving an even better car, one that I’d been wanting to have for years but which had been out of my reach. Thanks to Anna and the team. You made my day for sure!

    Petra Schultze
  • I bought a 2007 Infiniti G35 in December. CARF is amazing; they were perfect on all points. Car choice, financing with the lowest rates possible and the overall experience!! Shannon, Anna and Marina are awesome!! I will be referring all my friends and co-workers. If you want the whole package than CARF is it, so stop looking NOW!! I love my car.

    Justine Sawler
  • A year ago, I purchased a Trialblazer through CARF. Anna told me to stick with my purchase for a year, and I may be eligible to refinance. Not only was I able to refinance what I had, I was also given the option to purchase a newer car. At the end of the day, I got exactly what I want (2010 mustang). Anna is a goddess. She went above and beyond what was expected of her. Very friendly staff and I’ll recommend family and friends to finance with CARF. Thanks a bunch Anna ;)

    Stewart Mitchell
  • Marina Roudak, I want to send the BIGGEST THANK YOU for getting that financing through!!!! You may not have the slightest idea how happy we are. GOD YOU HAVE NO IDEA!!!!!!! It was sooooooooooooooo awesome that you made this happen the way you did. THANK YOU SOOOOOOOOOOOOO MUCH!!!!! Thanks again!!!! SO much appreciated!!! BTW: You may not have been told today and I will be the one to say it You Are The Best Take care and have a fantastic day!!!

    Jennifer Cutting
  • Very well treated by everyone. All the times i had a doubt and called, was always someone ready to help me. That’s the way! Keep doing like this.

    Steven Tavares
  • Extremely courteous and friendly, and always helpful with my questions. I would definitely recommend this service!! A Special Thank you to Marina! You were a fantastic help and always a pleasure to correspond with.

    Kevin Grice
  • I have been dealing with Canadian Automotive Realty Financial Inc.(CARFI) for a few years now and have always had phenomenal service and felt I was in good hands. I recently was contacted by them and advised of the possibility that I was eligible to refinance my loan for a much better rate. After speaking with them and confirming my interest in doing so, I was approved for a significantly lower rate. Not only were they able to have my interest rate lowered significantly, I am now also driving a newer and better vehicle of my choice. All was said and done with ease and little effort on my part. The people at CARFI took care of everything and had me approved and in a new vehicle in no time. Above everything else, I am extremely pleased that they took the time and effort to continue monitoring my matters with them to ensure I had the best rate possible. When noticing that I wasn’t, they took the initiative to advise me of same and ask if I was interested in obtaining a lower rate. Not many companies would actually do this. Most just sell you a vehicle or approve your financing and then leave it at that. They are on the ball and take the time to ensure you are always receiving the best. If you are looking to refinance, or purchase a vehicle etc. I would highly recommend CARFI.

    Nicole Farrugia
  • Last spring I bought my first bike in twenty years through Shannon,they meaning Shannon and his staff were as excited about the sale as I was about the purchase. 2 weeks ago I traded in the 2008 Honda VTX 1300 and purchased a 2007 Kawasaki Vulcan 2000.Shannon and his staff once again showed me nothing but professionalism, they are a real class act. Thanks again to Shannon and his staff.

    Doug Dunec
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