Clutch is a Canadian online platform that revolutionizes the car buying experience by offering a fully digital process—from browsing and financing to home delivery. Operating primarily in Ontario, Nova Scotia, and New Brunswick, Clutch provides a transparent, hassle-free alternative to traditional dealerships.finder.com
🚗 What Is Clutch?
Founded in 2016, Clutch is Canada’s largest online used car retailer. Unlike third-party marketplaces, Clutch owns its inventory and manages the entire sales process. This approach allows for consistent pricing, quality control, and a seamless customer experience. The company has experienced significant growth, with revenues increasing by 300% over the past three years to more than $400 million. In February 2025, Clutch secured a $50 million financing round to fund its expansion across Canada .BNNfinder.com
💳 Financing with Clutch
Clutch offers in-house financing with competitive rates, partnering with major Canadian financial institutions. Key features include:Buy and Sell Used Cars Online | Clutch+3Loans Canada+3Buy and Sell Used Cars Online | Clutch+3
- Pre-Qualification: Get pre-qualified in minutes through an online application with no impact on your credit score .Buy and Sell Used Cars Online | Clutch+5Buy and Sell Used Cars Online | Clutch+5Buy and Sell Used Cars Online | Clutch+5
- Loan Terms: Available for vehicles priced from $7,500 upwards, with terms ranging from 24 to 96 months.
- Interest Rates: Starting at 8.99%, depending on creditworthiness .finder.com
- Open-Ended Loans: No prepayment penalties; loans can be paid off early without fees .Loans Canada
- Eligibility: Minimum credit score of 580; applicants should have at least 3 months of employment and no more than one bankruptcy .finder.com
🛒 How It Works
- Browse Inventory: Explore a wide selection of high-quality used cars online.Buy and Sell Used Cars Online | Clutch
- Get Pre-Qualified: Fill out a simple online form to determine your financing options.
- Select Your Car: Choose a vehicle that fits your budget and preferences.
- Complete Purchase: Finalize the transaction online, including financing arrangements.
- Home Delivery: Have your car delivered directly to your doorstep.Buy and Sell Used Cars Online | Clutch+4Loans Canada+4Buy and Sell Used Cars Online | Clutch+4
Clutch also offers a 10-day/750 km trial period, allowing you to return the vehicle if it doesn’t meet your expectations .finder.com
🧾 Additional Services
- Trade-In: Receive an instant offer for your current vehicle.Buy and Sell Used Cars Online | Clutch
- Vehicle Protection: Optional protection plans are available for added peace of mind.
- Loan Calculator: Estimate your monthly or biweekly payments using Clutch’s online calculator .Loans Canada+5Buy and Sell Used Cars Online | Clutch+5Buy and Sell Used Cars Online | Clutch+5
🏁 Conclusion
Clutch offers a modern, transparent, and convenient way to purchase and finance a used car in Canada. With its fully online process, competitive financing options, and commitment to customer satisfaction, Clutch stands out as a leading choice for car buyers seeking a hassle-free experience.
For more information or to start your car-buying journey, visit Clutch.ca.