Wondering if you should pay off your car loan early? In Canada, most lenders allow it — but the answer isn't only about interest savings. This guide covers prepayment penalties to check for, and the one thing general finance sites miss: what early payoff means for your credit-rebuild journey if this loan has been your main source of active, positive reporting to Equifax.

A short-term car lease can be a manageable bridge for Ontario drivers rebuilding credit after a consumer proposal, repossession, or a rough financial stretch — here's how it compares to traditional financing and who it's really for.