Shifter connects Canadian car buyers and owners with dealer partners to obtain car loans, trade-in financing, and vehicle refinancing. The platform emphasizes approval-first financing: users complete an online pre-approval process before shopping so recommended vehicles match the borrower’s credit profile and budget. Shifter does not originate loans; instead, it refers applications to a network of independent dealers and third-party partners for review and fulfillment.

Key product features and flow:

• Online pre-approval process to discover what a consumer qualifies for prior to vehicle selection.
• Matching with a local dealership finance manager and a personal shopper to combine digital convenience with in-person execution.
• Options for buying, trading in, or refinancing an existing auto loan across participating dealer partners.
• Nationwide availability in Canada with specific mentions of Alberta, Manitoba, Ontario, and Nova Scotia.

Affiliate / referral specifics (from disclosed program information):

1. Shifter operates as a lead-referral platform rather than a direct lender; applications are referred to dealers or third-party processors
2. Referral compensation is indicated in the disclosure: Shifter may receive compensation from partners for lead referrals. Exact commission rates, cookie windows, and payout terms are not published on the disclosed affiliate page.
3. Approvals, interest rates, loan terms, and vehicle availability vary by partner and are determined by lender criteria, creditworthiness, income verification, and vehicle eligibility.

What affiliates should know:

• Affiliates refer qualified users to Shifter for pre-approval and lead submission; final financing decisions are made by partner dealers/lenders.
• Marketing should focus on relevant SEO keywords like car refinancing Canada, car loans Canada, refinance car loan, and auto loan pre-approval to attract prospective borrowers.
• Compliant disclosures are required: Shifter’s site explicitly states it is not a lender and that consumer data will be shared with third-party partners for fulfillment.

Recommended promotional angles for affiliates:

• Emphasize pre-approval benefits: shop with confidence knowing vehicles match your budget.
• Target audiences seeking lower interest rates, lower monthly payments, or refinancing to save over the loan term.
• Use location-targeted campaigns in provinces where services are highlighted (Alberta, Manitoba, Ontario, Nova Scotia).

Note: Because Shifter’s affiliate page provides a disclosure but no specific commission metrics or tracking details, affiliates should request the program’s partner agreement or media kit for exact payout structures, tracking cookie durations, and conversion definitions before scaling paid campaigns.