About us.

Your Ultimate Solution for a Premium Pre-owned Vehicle with a Lower Interest Rate in Canada

Are you in search of a premium pre-owned vehicle in Canada with a lower interest rate on your auto loan? Look no further! Chop My Rate is the leading service in the country, specializing in providing Canadians with competitive interest rates and the opportunity to upgrade their vehicles. Our innovative platform connects borrowers with top financial institutions, ensuring that you get the best possible loan terms tailored to your needs, all while upgrading to a premium pre-owned vehicle that replaces your current vehicle.

Car Loans as Low as 7.24%

Vehicle Loans that Works for You

We will match you with a loan program that fits your budget and your vision. Our excellent relationships with every lender in Canada means more of an advantage for you!

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Reasons to Choose us

We sincerely want to help you stop paying high interest rates and rebuild your credit so that you can have the financial freedom and flexibility you deserve.
How We Can Help

Do you want to achieve financial security? Lowering your interest rates and improving your credit score are essential steps to take.

Reduce Financial Stress

High interest rates can cause financial stress and make it challenging to manage monthly budgets. Lowering your interest rates can alleviate this stress and give you better control over your finances.

Save Money on Interest Payments

Lower interest rates mean you'll pay less towards interest, which translates to significant savings in the long run. By reducing your interest rates, you can accelerate the debt payoff process and save more money.

Increase Your Financial Security

Lower interest rates and a better credit score can provide more financial security by opening up new opportunities, such as applying for a mortgage, a low-interest personal loan, or other credit facilities.

Improve Your Credit Score

Improving your credit score is crucial for obtaining a better loan with lower interest rates and better terms in the future. By making timely payments on a lower interest rate, you can positively impact your credit score.

Accelerate Debt Payoff

Lower interest rates allow you to pay off debts faster by allocating more funds towards the principal balance. This accelerates the debt repayment process and helps you achieve financial security faster.

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Cities we service
Years in business
Success Rate

Easy Loan Approvals

We work with all the major banks and lenders, so that we can accommodate every credit situation with no money down. Simplify Your Loan Approval Process with Chop My Rate

Wide Range of Financial Solutions from Leading Banks and Lenders

At Chop My Rate, we take pride in our wide-ranging network of strong relationships with all the major banks and lending institutions. This allows us to offer a broad selection of financial solutions tailored to your unique credit situation. Whether you have good or bad credit, we strive to provide the best loan terms and interest rates available in the market.

Effortless Loan Approvals for Every Credit Situation

Securing a loan can be a daunting and time-consuming process. That’s why Chop My Rate has streamlined the loan approval experience, making it easy to apply and get approved, with no money down required. Our team of experts will guide you through each step, ensuring that you find the ideal loan option for your needs.

No Money Down Required

One of the significant benefits of working with Chop My Rate is our commitment to providing loan options that require no down payment. This can significantly reduce the financial burden associated with obtaining a loan, making it easier for you to achieve your financial goals.

Try Chop My Rate Today

Let Chop My Rate simplify the loan approval process and secure the best loan options available for your unique credit situation. Don’t let the complexities of loans hold you back from achieving your dreams. Contact us today to start your journey to financial freedom and experience the difference with Chop My Rate!

How Chop My Rate Works

Fast, Easy and Painless!

We hop on a call.

We'll chat with you & find out where you're at & what you'd like to upgrade to

Lower Your Interest Rates.

Lowering your interest rates can be a smart financial move that can save you money in the long run.

We’ll deliver it to your door.

Have your new vehicle delivered right to your front door!
Get Started

Customer Reviews


I had a wonderful experience purchasing a used vehicle. The process was stress-free and pleasant. Matthew was very thorough and knowledgeable. He was able to find me a vehicle that suited my needs and lower my interest rate. He even gave me an extra $500 cashback, and over the weekend, I was able to receive that using his own money so I could get the automatic starter installed in my new car. They even paid for a new set of keys, which I am going to pick up on Tuesday at the nearest Hyundai dealership close to my home. That was way beyond excellent service. If I could give them a 10-star rating, I would. Overall, I am very satisfied with the service I received and look forward to going back after a year. I highly recommend “Chop My Rate” for all your car needs. Thank you!


I had an awesome experience with Chop My Rate and I couldn't be happier to write this review! My sales rep Nathan was beyond AMAZING. He answered all my questions and made sure I got the vehicle that I wanted. I was new to Canada and was very skeptical about using dealers that aren't in my city. The whole idea of buying a car without seeing it in person was scary. Nathan communicated with me all the way. He made me feel confident in his company and it was literally delivered to my door in Northern BC. I am so grateful for this amazing experience. I have to make mention of Sarah in Finance and Emily who delivered the vehicle because they truly went above and beyond for me and added to this whole experience. Thank you Chop My Rate!! Keep doing an amazing job! If you are new to Canada and need a vehicle, look no further! 😊


Jack is the man!!! He was super kind and had extensive knowledge of the inventory available. I never once felt pressured to make a deal on my F-150. Jack and his team at Chop My Rate really took their time and went above and beyond to ensure that I received the best possible value for my trade-in and purchase. I cannot thank them enough!! I would definitely recommend checking these guys out, and I would highly recommend requesting Jack to help you with your next vehicle purchase 1000 times over. 😊


I finally found the Blue Ford Edge that I have been dreaming about for so long. I knew exactly what I wanted, and a big thank you to John and Sarah for helping make my dream a reality. They were so helpful and knowledgeable when answering all the questions my spouse and I had. Their enthusiasm and energy made the process enjoyable. Actually, everyone who assisted us with this purchase at Chop My Rate was fantastic!! John and Sarah, of course, the manager, the insurance agent, and the financial expert David who showed me where to sign to make the car mine!! We will happily refer anyone we know who is looking for a newer vehicle to Chop My Rate and the fantastic team we are now a part of! Thank you all so much!!


Fantastic experience from beginning to end. William and Michael did a tremendous job in helping me find a new truck. Even though others had rejected my application, they persevered and worked tirelessly to secure my approval. Thank you, guys! It only took them a week to complete everything and deliver the truck. The delivery driver, Jack, was also outstanding. Thank you once again, Chop My Rate!


This is my second time purchasing from Chop My Rate. Despite having a poor credit score, they were able to assist me in acquiring a Mitsubishi Mirage. Unfortunately, I got into a car accident and the vehicle was written off. However, Chop My Rate was able to help me once again by getting me a Kia Rio with only 14,000 kilometers on it and working within my budget. I'm grateful for their assistance and would like to give a shoutout to Sarah and David for their help.


John and I would like to express our gratitude to "Chop My Rate", especially to Kate who initiated the process of helping us acquire a newer vehicle despite our poor credit history. She helped us secure a beautiful 2018 Nissan Altima SV, fully equipped with all the features we wanted. We instantly fell in love with the car. We also appreciate Daphne, who gave us a FaceTime video tour of the vehicle, allowing us to see it in real time instead of just pictures. Tyler also deserves a shoutout for braving bad weather to deliver our car from B.C. to Edmonton. Additionally, Matt was very helpful and quick to respond to our questions. Everyone we interacted with was friendly and approachable, making the experience more enjoyable. We were amazed at how quickly they got us into a car, performed minor repairs, and ensured the vehicle was in excellent condition. They even paid for the out-of-province inspection and filled up the car with gas, which was a nice touch, considering the high gas prices. We highly recommend "Chop My Rate" to anyone looking for a new or used car, regardless of their credit history. They will go above and beyond to help you get the car you desire.


My spouse and I were in search of a compact and efficient commuter car, and we had a vehicle we wanted to trade in. Our interactions with Chop My Rate were primarily through John, as well as with David and Michael. Both were not only courteous and respectful but also highly professional. We completed the purchase entirely online, through phone calls and text messages. Our new pre-owned car was delivered to our doorstep, and our trade-in was picked up from there. The car we received was exactly as described and was meticulously detailed. We were pleasantly surprised at how smoothly the entire transaction went, and we have already recommended Chop My Rate to many of our friends. By the way, John definitely deserves a well-earned raise for his excellent service.


Couldn't be happier with Chop My Rate and all they did for us in getting us into a new truck. Sarah went above and beyond to ensure we were happy and found the perfect fit for our needs. Highly recommend going to see her. You won't regret it!


Dealing with Chop My Rate has been an amazing experience. I traded my car for a 2020 Ford Ranger, and I am extremely satisfied with my new vehicle. The service provided by Chop My Rate is exceptional, and they made the entire process fast and efficient. The truck was delivered to me in pristine condition, freshly washed and detailed, and with a full tank of gas. I am grateful for their efforts and highly recommend their services.

Happy & satisfied customer

We Are Here To Help You

Our mission is to provide you with the right information to allow you to make the most informed decision.


Looking for a lower interest rate loan, then apply now!
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1-888-515-CHOP(2467) info@chopmyrate.ca