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


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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  • Thanks to Shannon and Inna from Canadian Automotive Reality for helping out when I did not fit into the mold of the big 5 banks. Not many trust you as a starting small business despite good credit history. Shannon and Inna took the time to get me approved within very short time. Inna was outstanding in coordinating and making sure all details and information got to where they were needed. I will certainly finance through Carfii again and will recommend this amazing customer focused company to friends, family and beyond.

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

    Wawa Ontario
  • 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
  • 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
  • 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
  • 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
  • CARFII is the best. It is the only place that can work miracles. My first experience was when my credit situation was in bad shape, and Shannon helped me get my car, and got the best possible payment plan that I could handle. This helped me rebuilt my credit to a satisfactory state. Then recently I was in the market for a new car again and ANNA P helped me get approve at the best possible rates she could and with an unbelievable payment plan. This didn’t stop there, no my friends; she went above and beyond to fight for even more and to my surprise after hours to make sure I ended up with my dream car, and with something I can handle. They are a team of individuals that are more like a family that really cares and tries to do all they can to make me happy. Words cannot do justice as to how they are, and how much they care. You need to go see them and speak to them. I can say they will try their hardest to find something suitable for you!!! THANKS to ANNA and the CARFII team.

    Derwyn Wright
  • In a word - Awesome. I was looking to get a new bike and was shot down from the bank because of some bruised credit. Shannon and his team did their magic on the spot along with a rate that was great.

    Ken Connell
  • Hi Monica. Just wanted to let you know we though you were great. Thank you for all your effort on our behalf. And to Shannon, we just want to let you know how much we appreciate all the time and help had given to us. You were a pleasure to deal with and really went out of your way to get us sorted out. Thank you so much.

    Ivy and Denis
  • Ayeza was a pleasure to work with.  A++ service.

    Eric Moran