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CarLoft Finance Center Kingston ON | Used Car Loans and Pre Approval

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CarLoft Finance Center in Kingston ON

Enjoy a refined finance experience tailored to you. Apply online in minutes, compare lender offers with a specialist, and choose pickup or home delivery. CarLoft works with leading banks and select auto lenders to provide clear terms and a smooth path to your next vehicle.

Get Pre Approved
Value Your Trade
Shop Pre Owned Inventory

Why Finance With CarLoft

Premium guidance at every step with quick responses and transparent options that fit your budget.

  • Fast online pre approval with no obligation
  • All credit welcome including first time buyers and newcomers to Canada
  • Wide lender network with competitive rates and flexible terms
  • Support for trade value with instant online estimates
  • Home delivery in Kingston Gananoque Napanee Belleville Brockville and Trenton

Start Your Application

How The Process Works

  1. Submit the secure application on the Get Pre Approved page
  2. Review budget and preferred term with a finance specialist
  3. Select a vehicle from our pre owned inventory
  4. Upload documents for lender review
  5. Sign paperwork and choose pickup or home delivery

What You Need To Apply

  • Valid government photo ID
  • Proof of income such as recent pay stubs or bank statements
  • Proof of address such as a utility bill
  • Insurance details if available
  • Trade in documents if you plan to trade your current vehicle

Rates Terms and Options

Choose a plan that aligns with your goals. Short terms help you finish sooner while longer terms can lower the monthly payment. Your specialist will compare offers side by side and explain each option in clear language.

Financing For All Credit Situations

Whether you are building credit self employed or rebuilding after setbacks we work with lenders that look at more than a score. Learn more in our guide
Credit and Car Financing.

Simple Trade In Process

See your estimate in minutes and apply it toward your next vehicle. Start here
Value Your Trade. We also buy cars even if you do not purchase from us.

Featured Inventory

View All Vehicles

Frequently Asked Questions

Can I get approved with bad credit
Yes. We regularly help drivers with challenged credit through lenders that consider more than a number. Apply online and a specialist will outline realistic options.
How long does approval take
Many pre approvals are returned the same day once we receive your application and basic documents. Timing can vary by lender and by file details.
Do I need a down payment
Not always. Some approvals require a down payment to meet lender guidelines or to reach a target payment. Your specialist will present both scenarios so you can choose.
Can I finance if I am self employed
Yes. Many lenders accept alternative proof of income such as bank statements and invoices. We will advise on the documents to provide.
Can taxes and fees be included in the loan
In many cases yes. Rolling taxes and fees into the loan can lower upfront costs. We will show a clear comparison.
Do you deliver after I sign
Yes. Home delivery is available in Kingston and nearby communities. Your specialist can schedule a convenient time.

Apply or Contact Our Finance Team

Have questions about approvals payments or documents. A finance specialist will provide clear next steps.

    Contact Us