Take The Wheel When Buying a Car at Clutch


Clutch is an online platform that creates a whole new used car-buying experience. Just visit Clutch.ca and you can easily browse our extensive inventory that has something for everyone. Use the filters on the side to filter by price, style, make, model, and more. Click on a Car Card to take a closer look at high-quality photos, inspections, CarFax reports and most of all, a breakdown of pricing.


Let’s back up here for a moment; you are probably used to a stereotypical dealership which will advertise a certain price online. When you visit locally to take a closer look, there’s often a discrepancy between the listed price and what they quote you at the dealership. Now you are already over the budget you had planned out in your head before warranties, protection and interest rates have even been added. Next, you are taken into a sales office to talk numbers where it seems like things just get even more confusing. By the end of it all, that initial price you were excited about turns into something completely different. Add-ons are hidden in long documents and they pressure you to make a decision on the spot.

To us, that doesn’t seem like a good experience. At Clutch, we want YOU to be in the driver seat of the car-buying process. You get to consider every option carefully and see the breakdown of payments as you navigate through your options.

Keep reading and we we’ll show you how you can make sure that not only is it the right vehicle for your lifestyle, but also for your budget. 


Once you’ve clicked on a car of your liking, by clicking the Estimate Payment button, you can take a closer look at the default bi-weekly payment for that vehicle. Here you can toggle and tailor the estimate to be suited to you. 

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As you can see in the photo, the estimate defaults to the longest loan length and an excellent credit score with 10% of the total down payment. You can toggle these settings to be more suited to your situation. For example, if you didn’t want to put money down then you can change the Down Payment field to $0, which will give you a different estimate. You can change your loan length and your estimated credit score all right here!

After you consider the estimate, you can easily move forward by clicking the button Apply for Financing. You will be walked through the steps completely online with you behind the wheel! 

Check out the walkthrough below:

Clutch has several partnered lenders and we do everything we can to get you the best rate possible on your loan. Although several lenders get contacted, your credit is only affected once. 

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Here you will enter in your desired loan term and down payment. Click Full Price Breakdown to take a closer look. 


Clutch Protection Plans allow you to be in full control of what warranties and protections you add to your vehicle. This is when you consider the year of the vehicle and your lifestyle, how you plan to use the vehicle. For example, if you live outside of the city or have a long commute then Tire and Rim is a great protection plan for you. It covers your tires and rims from all damage caused by roads or potholes, saving you money on tire replacements and repairs. 

Vehicle Protection Plan

With our Vehicle Protection Plan, you receive full coverage for any mechanical issues, not to mention comprehensive roadside assistance and more.


This wax-based product protects against corrosion and is recommended for all vehicles.

Tire and Rim

Get your tires and rims protected from all damage caused by road hazards and potholes.

Gap Insurance

If your vehicle is written-off, gap insurance covers the difference between the amount owed and the amount paid out by the insurance company for your vehicle.

Vehicle Protection Plan

Covers the engine, electrical systems, cooling systems, drive axle, transmission, A/C systems, power steering, and suspension. It also provides you with Roadside Assistance that covers the following:

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You are in control of the length of the protection and get to see how much will be added to your loan for each protection plan option. Skip for now if you like, you can always add it in the end.


Undercoat Warranty is almost a no-brainer in our Nova Scotia weather and will keep your vehicle protected from weather damage, salt and rust. It’s a one-time application that will certify your vehicle for up to 10 years.


Tire and Rim Protection that we mentioned above will reimburse you for any damage to your tires or rims caused from road hazards (nails, debris, potholes, etc.) Roadside assistance is included (tire damage only.) This product offers unlimited repair & replacement for any damaged tires and rims. This product is very affordable, averaging under $5 per payment in many scenarios. 

Gap Insurance is something that can be situational. When you finance a vehicle the total amount financed is often more than the book value of the car. In the event of a total loss, Guaranteed Asset Protection (GAP) ensures you will be covered for the difference between what you owe on the loan and the price at which the insurance company values your vehicle.

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Read through the details to see if this will really benefit you. Mostly in situations with high-interest rates, loan takeovers and zero down payments is when it’s the most beneficial and provides peace of mind. 

Choose if you are applying on your own or with a co-signer


Enter your personal information in the next three tabs. This is kept confidential and is only used for banking purposes.


Enter in your housing details.


Enter in your employment details.


Once you accept the terms and conditions you will receive a total pricing breakdown.

Click the Apply for Loan button and we handle everything else! Banks can take anywhere from a few hours to a few days to process your application. Once we hear from them we contact you right away!

Check out www.clutch.ca. If you have any questions a member of our Clutch team is available to chat with 24/7 or you can call us at (902)800-8042 . Happy car shopping! 🚙❤️