Taking a bite out of high payments!

Car payments too high?

Penny Hippo helps applicants explore options for a lower car payment with a 60-second checkup.

Penny the purple hippo mascot holding a Canadian penny in a neon-lit cityscape beside a purple car and a pile of pennies, with the message: car payments too high? Penny wants to take a bite out of them! Explore options for a lower car payment with Penny Hippo's 60-second checkup.
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Credit not perfect? That’s okay. All credit situations considered.

Your credit history isn’t your whole story. Credit not perfect? That’s okay. All credit situations considered. Previous bankruptcy, consumer proposal, collections, late payments, limited credit history, new credit, previous decline. Many possible solutions. All credit situations accepted. Financing remains subject to lender assessment.

How it works

Start the 60-second checkup: answer a few quick questions to begin. Include your trade if you have one: even if money is still owing, trade-ins are welcome. We review available financing options: subject to lender assessment; no approval guaranteed. Explore ways to lower your payment: PennyHippo looks for options that may help reduce your monthly payment. Complete an eligible purchase: final lender and promotional terms apply.

How it works. 01: Start the 60-second checkup, answer a few quick questions to begin. 02: Include your trade if you have one, even if money is still owing, trade-ins are welcome. 03: We review available financing options, subject to lender assessment; no approval guaranteed. 04: Explore ways to lower your payment, PennyHippo looks for options that may help reduce your monthly payment. 05: Complete an eligible purchase, final lender and promotional terms apply.

Have a trade? No problem.

You can include your current vehicle in your application, even if you still owe money on it. PennyHippo loves to take a bite out of high payments and explores ways to help lower your monthly auto loan obligations. Trade-ins welcome. Even if you still owe. Explore options to lower payments.

HAVE A TRADE? No problem. You can include your current vehicle in your application, even if you still owe money on it. PennyHippo loves to take a bite out of high payments and explores ways to help lower your monthly auto loan obligations. Trade-ins welcome. Even if you still owe. Explore options to lower payments.

Apply with confidence

Your application is protected, private, and built for Canadian customers. Secure application: protected by BIZiiVault AES-256 bank grade encryption technology while you complete your application. Private and confidential: your application details stay private and are handled with care. Canadian financing: serving customers in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Yukon, Northwest Territories and Nunavut.

Apply with confidence. Your application is protected, private, and built for Canadian customers. Secure application: protected by BIZiiVault AES-256 bank grade encryption technology while you complete your application. Private and confidential: your application details stay private and are handled with care. Canadian financing: serving customers in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Yukon, Northwest Territories and Nunavut.

Ask Penny

Get the answers you need to move forward with confidence.

Ask Penny. Get the answers you need to move forward with confidence.
PennyHippo covers cars, SUVs, trucks and minivans: eligible new and used makes and models, subject to lender requirements.

Your next vehicle. Your possibilities! 🦛💜

At PennyHippo, we’re excited to help Canadians explore financing options for eligible new and used cars, SUVs, pickup trucks and minivans across makes and models!

Financing options, rates, terms and payments depend on individual circumstances, vehicle eligibility and lender approval. Vehicle images are illustrative; availability and features may vary.

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Privacy notice

Your structured application answers, conversation history, campaign attribution and consent evidence are stored with your application. Authorized administrators can review these records; a private session link grants access to its own application. Canada Post processes address searches, and AI interpretation processes answers when needed. Completed answers are saved remotely; the private session code and unsent drafts may be stored in your browser to support resume. Do not use a shared device or share your private resume link.

Your next vehicle. Your possibilities. 💜

At PennyHippo, we’re excited to help Canadians explore vehicle financing opportunities that fit their lives, needs and budgets! From cars and SUVs to pickup trucks and minivans, we welcome applications for eligible new and used vehicles across makes and models.

Financing is subject to lender assessment and approval. Rates, payment amounts, financing terms and vehicle eligibility vary based on individual circumstances and lender requirements. Vehicle imagery is illustrative; actual availability, trims, colours and features may vary.

Terms

Submitting an application is not a loan offer or credit decision. All financing remains subject to final approved terms. Applying does not guarantee approval.

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