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Disclosure Notice

Shifter.ca is owned and operated by Dealerhop Finance Ltd. (operating as Inculeader). Shifter.ca is not a lender and does not provide financing directly. All automotive financing and refinancing inquiries submitted through Shifter.ca are referred to a network of independent Dealer Partners and/or a third-party affiliate for review and potential fulfillment.

Vehicle refinancing applications may be processed by SafeLend Canada or by an approved dealer partner within the Shifter network. Financing terms, interest rates, loan amounts, approval decisions, and vehicle availability vary by partner and are subject to change without notice. All approvals are based on individual creditworthiness, income verification, vehicle eligibility, and lender criteria.

Submitting an application does not guarantee approval or a specific rate. Shifter.ca may receive compensation from partners for lead referrals. By using this website, you consent to the collection, use, and sharing of your information in accordance with our Privacy Policy and Terms of Service.

Shifter.ca operates across Canada; however, financing options and availability may vary by province. All trademarks, logos, and brand names are the property of their respective owners. Shifter.ca currently offered Car Refinancing Canada-Wide with Car Loans available in Alberta, Manitoba, Ontario, and Nova Scotia.