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Alternative Car Finance Options

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Danger signs of car financing

There are a couple of red flags to be aware of when seeking car financing, particularly when you are having problems with debt or your credit rating is poor:

If you have to go to secondary lenders to borrow money (e.g. not the big banks or the auto companies), you need to be aware of extra costs which could be from a high interest rate or financing charges. These may be excessive and will put you in a further financial hole.
If you have to finance a vehicle for more than 5 years in order to buy it, you can’t afford it.
It is generally a poor financial decision to trade in your old car for a new car when you still owe money on it. You only get your money’s worth on a car after it is paid in full.

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For debt help in Canada contact Harris & Partners Inc. We have offices across Canada. Click here to find an office closest to you.

Meet with an experienced Licensed Insolvency Trustee today for professional advice on how to deal with your debt and live stress-free. Contact us by phone at 1-800-268-8093.

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Other Debt Types

Car Loans

Bankruptcy for car loans

Consumer proposals for car loans to you

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Student loans to you

Payday loans

Tax debt

Line of credit

Browse Debt Review Options in Canada

Consumer Proposals

Consumer proposals can be an alternative to bankruptcy that reduces debt and gives you more time to pay back creditors.

Legally stop creditors
Keep your assets & negotiate lower payments
Avoid bankruptcy

Bankruptcy

We will help you through the bankruptcy process every step of the way and guide you to a better financial future.

Wipe out most unsecured debt
Protect assets like your home
Last resort option

Corporate Bankruptcy

Corporate bankruptcy can be difficult to navigate, but we’ll help you through the maze, while also exploring other options too.

Restructure debt
Protect jobs for employees
Avoid liquidation

Corporate Insolvency

Restructure your debt and operations to secure your company’s future.

Navigate financial hurdles and protect jobs
Typically liquidate assets to pay off debts
Avoid corporate bankruptcy

Debt Consolidation

You consolidate various debts under one loan to pay back to creditors. This approach can help you save on interest over time.

Simplify repayments & reduce interest rates
Improve credit score
Gain control over finances, avoid multiple creditors

Debt Management Plan

Stay in control of your debts with a predictable, scheduled repayment plan. These plans can run for up to 5 years and aim to leave you debt-free at the end of the repayment period.

Potentially reduce payments
Avoid interest
Repay debt in agreed time frame

Division 1 Proposals

Division 1 Proposals let you change the terms of your debt, reducing the amount you owe and / or extending the repayment period.

Repay portion of debt over extended period
Retain assets
Avoid bankruptcy

Credit Counselling

Here, you’ll learn to pinpoint the causes of your financial issues and gain the tools to take back control of your finances.

Develop a personalized budget
Learn debt management strategies
Repair damaged credit

Debt Settlement

To settle your debt you can hire a company to negotiate with the creditor.

Potential for significant debt reduction
May damage credit score
Not guaranteed

Support across Canada

Why choose us for consumer proposals in Ontario?

Remove up to 80% of your debt

Our Licensed Insolvency Trustees can provide a customised consumer proposal that could shrink your debt by up to 80%.

Get debt help

Professional guidance in any language

Our multilingual team offers debt support in Farsi, Portuguese, Italian, Tamil, and more, so you can feel comfortable every step of the way.

Meet the team

Nationwide support

With offices in nine provinces, we offer in-person debt support across Canada—from Atlantic provinces to Ontario to British Columbia.

See our locations

Contact information

It's never too late to obtain debt help. Book your free consultation today

Phone number: 800-268-8093
Email: hello@harrispartners.ca

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   Harris & Partners Inc.
   2221 Google reviews 
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   Ruth Planta 
 2 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very informative and practice good customer care
  
 
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   Pierre Michel Gregoire 
 17 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far very promp service. Great communication
  
 
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   Erika DeBruyne 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Every star earned!  The staff at Harris and Partners have given me peace of mind by helping me become debt free and giving me hope.  Every person I have had interactions with has been professional,  helpful and kind. There has been no judgement. I really appreciate this team, a special thank you to Deandre and Samuel.
  
 
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   Alan Tuck 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Harris & Partners made my life less stressful. Yasan was amazing to work with. He provided one on one consultation at anytime and was truly professional throughout.
  
 
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   kiranjit kaur 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a good experience with the debt relief agency. The team was professional, understanding, and explained the process clearly. I appreciated being able to ask questions without feeling judged, and the communication was helpful throughout the process.
Overall, I felt supported and would recommend them to anyone considering debt relief to do their research and see whether the service is right for their situation.
  
 
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   Satish Tiwari 
 9 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were a beacon and helped me to getting back on feet.
  
 
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   Ogie Amonte 
 4 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Easy to communicate to them.
Arsh Gavit
  
 
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   Mathew 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners. The entire process was handled professionally and with great care. I would especially like to appreciate Arsh Gavit for his excellent service, patience, and clear guidance throughout the process. He was always helpful, responsive, and made everything much easier to understand. Highly recommended!
  
 
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   shay cohen 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. After long stress and hard prosses
Yasan took control on my case
He explained and gave clear solutions
And prosses quickly with  success
Thank you for help in hard times
I was blessed to get help from you
  
 
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   Ronald Gosling 
 13 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Would like to thank all the people that helped me through this rough time financially. They all did a great job and I'm very satisfied with the outcome.
I recommend Harris & Partners to all who need a little help.
  
 
 
  
 
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