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    Clutch

    4.4(5 reviews)

    Clutch is Canada’s leading online used car retailer, offering a seamless, hassle-free car buying and financing experience. They stand out by combining vehicle shopping, financing, delivery, and even selling or trading in your existing car into one streamlined digital process.

    Offers:
    Auto Loans
    Since 2017
    Thousands customers
    Canada-wide
    3350 Wolfedale Rd, Mississauga, ON L5C 1W4, Canada
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    Expert Review

    Best For

    Clutch works best for Canadians who value simplicity, transparency, and time savings when buying or selling a vehicle online.

    Our Take

    Clutch is a fully online used car retailer that integrates vehicle shopping, financing, delivery, and trade-ins into a single digital platform. Launched in 2017, it offers a modern alternative to traditional dealerships, aiming to simplify the car buying and selling process in Canada. Its financing is part of the overall buying experience, making it an all-in-one solution.

    What We Like

    • Seamless user experience from browsing to delivery
    • Quick financing pre-approval (under a minute)
    • Transparent pricing with no haggling
    • Efficient online selling and trade-in process with fast payment
    • 10-day money-back guarantee for peace of mind

    Where to Improve

    • Financing terms and interest rates vary and are not known until application
    • Service fees can vary by province, adding to the cost in some regions
    • Lack of traditional in-person test drive before purchase

    Verdict

    Clutch offers a compelling, modern alternative for Canadians looking to buy or sell a used car with convenience and transparency. While it may not suit those who prefer traditional in-person interactions, its digital-first approach and integrated services make it an excellent choice for a hassle-free experience.

    Brand Signals & Trust

    Years in Business

    9+

    Geographic Reach

    Canada-wide

    Product Diversity

    1 product

    Customers Served

    Thousands

    Trust Badges

    Quality Lender, Established Lender

    Products Offered

    Auto Loans (integrated with car purchase)

    Amount Range

    Up to $50K

    Interest Rate

    Varies (determined after financing application)

    Term

    Varies

    Eligibility

    • Driver’s licence
    • Proof of ownership or title for vehicle (if selling/trading)
    • Void cheque or direct deposit form (if selling/trading)
    • Loan payout statement (if vehicle is financed and selling/trading)

    Google Reviews

    via Google
    4.8

    11,500 Google reviews

    Monday: 8:00 AM – 8:00 PM

    Tuesday: 8:00 AM – 8:00 PM

    Wednesday: 8:00 AM – 8:00 PM

    +4 more days

    Photos

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    Rialaine Lugue
    Rialaine Lugue3 weeks ago

    I had an incredible experience selling my car to Clutch. I managed to do the entire process in just one day! After entering my details online, I got a quote and booked an appointment for the same day. The team followed up with a call to walk me through exactly what to expect. The facility itself was impressive—very clean with a modern, open-concept design. They even offered snacks, coffee, and tea while we waited. A huge shoutout to Ralph, who was incredibly friendly, patient, and kind. He took the time to explain every step of the process clearly and made us feel right at home. Before coming here, I shopped around at other dealerships. They offered me less than market value, slow to respond, and kept trying to haggle me down with the typical 'let me talk to my manager' back-and-forth. Clutch was the total opposite. Professional, fast, and fair. Highly recommend!

    Priyan Raj
    Priyan Raja week ago

    Overall, it was a great car and a generally positive experience with Clutch. I opted for the basic package and paid for it the previous night. However, the next morning I received a call at 9:15 AM saying that the cheque had to be received by 10:00 AM or the order would be cancelled. This requirement was not clearly mentioned when choosing the basic package, and it created unnecessary stress. I had to take the day off work, rush to the bank in an Uber, and arrange the cheque immediately to avoid losing the order. While the vehicle and overall service were good, it would be much better if payment deadlines and cheque requirements were communicated clearly upfront so customers can plan accordingly.

    Annie Wu
    Annie Wu2 months ago

    We recently bought a car through Clutch and couldn’t be happier with the entire process! Everything was smooth, transparent, and stress-free from start to finish. They did a full inspection on the vehicle, which gave us complete peace of mind. The customer service was excellent—staff were always available to answer questions and provide support. Mateo helped us through the final steps and was incredibly professional, patient, and supportive. He made sure everything was clear and easy, and we truly appreciated his care and attention. Highly recommend Clutch to anyone looking for a hassle-free car buying experience!

    Jin Kim
    Jin Kim2 weeks ago

    Alex was so welcoming and warm as soon as we met him. We were selling my fiancee's first love/long-time Mini Cooper (goodbye Clarisa our orange pumpkin) and let's just say we were emotional with the departure. Alex was kind, empathetic and made the whole process smooth and easy. Thank you Clutch for the great experience!

    Nitesh Goyal
    Nitesh Goyal3 weeks ago

    I wanted to share my experience purchasing a vehicle through Clutch so others can make an informed decision. Over the course of two consecutive weeks, I experienced significant issues with two different vehicles. The first vehicle (2018 Honda CR-V) had multiple engine light issues shortly after day one. After switching vehicles, the second one (a 2023 Mazda CX-5) would not even start when I went to pick it up. This resulted in multiple disruptions, additional coordination, and repeated administrative steps. Because I am based in Kitchener, I had to travel to Mississauga twice, which involved taking time off work, transportation costs, banking visits for drafts, insurance setup and cancellation adjustments, and overall logistical inconvenience. Although the Clutch administrative team was generous in approving reimbursement for the expenses incurred due to these two trips and offered free home delivery, the process itself required considerable back-and-forth communication. Following two back-to-back vehicle issues, I requested additional coverage for reassurance, but this was declined. Without that added protection, I did not feel comfortable continuing with the purchase. Where I believe Clutch needs improvement: • Stronger pre-delivery inspection and quality control before vehicles are released • Clearer accountability for issues occurring shortly after handoff (especially within the 10-day return window) • More flexible customer support solutions when multiple problems arise within a short period • Better coordination to minimize repeated customer travel and administrative effort The concept of online vehicle purchasing is convenient, and the team members I interacted with were professional. However, when problems occur early in the process, the resolution structure and customer confidence become critical. I hope Clutch continues refining its quality control and post-sale support systems to provide a smoother and more confidence-driven experience for future buyers.

    How Clutch Compares

    LoanIQ Rating
    4.4vs avg 4.7
    ClutchCategory Avg
    Google Rating
    4.8 (11,500)
    Province Coverage
    13/13vs avg 6/13
    ClutchCategory Avg
    Products Offered
    1

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