Hi! I’m Otto. What can I fetch for you?

Based in Ottawa, Ontario and formerly known as National Auto Finance, Carpal is a used car dealership serving customers online and in store across Ontario and the Outaouais region of Québec.

With more than 20 years of experience in the automotive industry, we wanted to offer an easier and more convenient way to buy a car. So, we took all our automotive experience and paired it with an AI-enhanced online shopping experience to make things a bit easier for you.

Basically, we’re an old dog with a few new tricks, and we’re ready and able to be by your side when you’re ready to find your next ride.

Shop our inventory online, get the information you need to make a confident decision, and get help from a Carpal Care Team member whenever you need it with our Call and Live Chat functions.

At Carpal, we curate a smaller inventory of quality, hand-picked vehicles that meet our Carpal certified standards. Options are great but they can also be overwhelming, and we don’t want you wasting time scrolling through thousands of underwhelming cars, so we only pick the best of the best.

And, we only post our vehicles once they’re 100% ready to be sold. We make sure each car meets Ontario safety standards before it even hits our site. So, if you see something you like, you know you won’t have to wait another week for repairs before you can actually bring it home.

Most importantly, we’re not trying to hide anything from you. Costs for each vehicle are broken down right on our inventory page, so you always know exactly what you’re paying. And, inspection reports, Carfax vehicle histories, photos of any damages, and 360° views are available online for every vehicle, so you always know exactly what you’re paying for.

You also have the option to shop online or visit us in person if you’re in the Ottawa area. Unlike other online dealerships, we maintain a physical location where you can come see the cars in real life if you prefer a more traditional shopping experience. What can we say, we’re the best of both worlds!

Based in Ottawa, Ontario, Carpal delivers vehicles across Ontario and the Outaouais region of Québec. Delivery costs may vary depending on where you are located, but if you’re local and want to stop by our flagship location at 2739 Carp Road, pick-up is always free!

We do! Your pals are our pals, too. With the Pal of a Pal program, you receive $200 for each pal you refer who purchases a car from us. If they’re buying online, your friends just need to enter your name + the promo code GOODPAL.

Otto is a great shopping companion, but we know he can’t fetch you everything you need. That’s why live support is embedded throughout the site and accessible at the top of every page.

Just hit the Call or Live button to open a chat with a member of our Care Team. We’re here waiting to answer questions, explain your options and guide you through the purchasing process.

If you happen to be browsing outside of our business hours, just leave your name, number and email address and we’ll get back to you as soon as possible.

Our regular hours are 9 a.m. to 6 p.m. Monday to Friday and 9 a.m. to 2 p.m. Saturday.

Carpal uses AI to make shopping for a vehicle a little bit easier. We know everyone isn’t comfortable with AI, so we want to be up front with how we use it and how we don’t.

We DO use AI to:

Help post our vehicles on Facebook Marketplace, connecting our cars with customers across Ontario while allowing our team to spend their time sourcing quality vehicles and supporting you through the purchasing process instead of spending the day on social media.

Enable 360° views, so you can get a better visual of the car you’re looking to purchase.

Power Otto, our AI shopping companion. Otto can access our inventory and publicly available information to answer questions about our vehicles, our processes, and help you narrow down your options based on what you’re looking for.

Learn from customer interactions to improve how he helps future shoppers, within our controlled environment.

Note: Otto may ask you for your name and email so that we can get in touch with you, but he will never have access to your financial or personal information.

We DO NOT use AI to:

Make vehicle purchase decisions.

Approve financing applications.

Ingest your personal or financial information.

We’ve built a separate, secure portal for our applications to ensure your personal and financial information stays private, and it can only be accessed by verified Carpal employees.

For questions involving personal, financial or sensitive information, our team can help you understand what information is required and why.

We’re glad you asked because transparency is so important to us. Every Carpal vehicle is test-driven and goes through a [xxx]-point inspection, performed on-site by one of our licenced technicians.

Before it’s even listed online, we complete any repairs and ensure it’s ready to meet Ontario safety standards.

Once we list the vehicle online, we publish the inspection report, repair report, and Carfax vehicle history alongside photos of any damages so that you know we’ve disclosed everything we know about the car, and that we’ve and checked all the boxes before you even consider hitting ‘Buy now’.

For extra reassurance, we’ll inspect it again once a purchase is confirmed and issue the safety certification, ensuring it is recent to your purchase.

Totally up to you. Some people don’t want a warranty, and that’s fine. You can choose to go without, or you can add coverage to your purchase.

Carpal offers three levels of extended warranty coverage through Canada General Warranty: Principal, Preferred and Platinum.

Principal covers the essentials, including things like the engine, transmission, drivetrain and turbo. Preferred adds more coverage for things like electrical, A/C, steering, brakes and fuel systems. Platinum is our most comprehensive option and adds coverage for things like suspension and safety systems.

All three options include 24 months of unlimited-kilometre coverage, plus one year of 24/7 roadside assistance and towing. Choose whatever works for you!

Carpal Certified is our windows-down, worry-free guarantee. A Carpal Certified selection means that vehicle was hand-picked for its great condition, maintained to meet Ontario’s safety guidelines before we even listed it, and test-driven to make sure it meets our own high standards.

With Carpal Certified selection, you’re getting:

full inspection report

Vehicle history (Carfax)

Damage photos, if any

Repairs completed

Comparable pricing via Car Gurus, so you know you’re getting a fair deal.

It’s essentially our promise to you that you can trust that the vehicle you’re purchasing is a good egg, not a lemon.

Yep! Carpal makes it easy for you to buy a car online, but that doesn’t mean you have to.

If you’re local, come see us at our flagship location, take the vehicle for a test drive and make sure it feels right before you buy it.

If you’re shopping from further away, we get you as close to a test-drive as possible. Our online listings include photos, 360° views, inspection information, vehicle history and all the important vehicle details you need to make an informed decision. We can always Zoom, too, if you’d like a closer look in real-time.

Absolutely. Carpal delivers vehicles across Ontario and the Outaouais region of Québec, so you don't have to live around the corner to buy from us.

Delivery costs may vary depending on where you’re located, and your Ride Guide will let you know what delivery will cost before you finalize your purchase, and you’ll get your vehicle within 2-3 business days.

Prefer to come get it yourself? Pickup at our flagship location in Ottawa, Ontario is always free.

Call Carpal! We’ll help you figure out what’s going on and what your next step should be.

If you’re local, our service department is always here to help, but we don’t expect you to travel to Ottawa for an oil change.

For warranty issues, Canada General Warranty handles the warranty claim and can help with covered repairs via direct billing. You can work with a qualified repair facility near you, so you don’t need to live around the corner to get help.

Nope, you can choose how much of the process you want to do in your PJs.

We understand some people don’t even want to buy jeans online, let alone their car. While we built Carpal to make buying a car online easy, we are still a real dealership with a physical location in Ottawa, Ontario, and we have people on the ground, waiting to help you.

You can browse our inventory online, ask Otto questions, compare vehicles, or chat and get ready from home, then come in and see us, take a test drive if you’d like, and sign the paperwork.

Or, if you’re comfortable doing it all online, just hit the ‘Buy Now’ and we’ll take it from there.

Head to the ‘Shop’ page to browse our selection of hand-picked and pre-inspected vehicles and find the best one for your budget. You can use Otto or our helpful filters to browse our inventory online.

When you find a vehicle you like, know that if it’s listed, it’s available and waiting for you.

You can walk around it with our 360 views, sit inside with our cabin experience, get a close of any damages, and review the Carfax and inspection reports.

When you hit ‘Buy Now,’ we’ll ask you a few questions like if you want to pick up, delivery, financing, or trading in, and any follow up questions associated with your choices. We’ll review your answers and follow up with you within one business day with next steps.

If you’re looking for financing but don’t get approved for the vehicle you’re looking for, your Ride Guide will suggest some alternatives and provide live support every step of the way.

Once we get your financing or payment sorted, we’ll take care of the ownership transfer and licensing, and get your vehicle ready for pickup or delivery.

If you opt for delivery, one of our licenced dealers will drop the car off to you within 2-3 business days and complete your purchase.

Yep! Carpal can help you arrange financing for your vehicle purchase. When you apply for financing, your information is submitted through our secure financing portal and reviewed by your personal Ride Guide, who will run a credit check and work with our trusted banking partners to get you the best rate we can.

Your Ride Guide will help you understand your options, answer your questions and walk you through what you need to provide.

And because financing is handled through a separate secure portal, Otto never sees your personal or financial information.

Of course. We’ll ask you a few questions about your current vehicle, help you figure out what your current vehicle is worth, and apply the trade-in value toward your next ride.

If you have a car that you're ready to say goodbye to but not looking to replace, we can probably take it off your hands. Check out our Sell/Trade page to get a fair offer.

Your Ride Guide will tell you exactly what you need, but here’s what you can expect to have ready:

For every purchase:

A valid driver’s licence or other government-issued photo ID

Proof of insurance

Your Ontario address and contact information

If you’re buying outright:

A bank draft or your preferred payment method, such as cash, credit or debit

If you’re financing:

Your Social Insurance Number

Proof of income

Employment information

Banking information to set up your financing

If you’re trading in a vehicle:

Your vehicle ownership document

Information about your current vehicle, including the VIN and current mileage

Any other documents related to the vehicle that our team asks for

If you’re buying out a lease:

Your current lease information

The vehicle’s ownership and registration documents

Any other documents required by your leasing company

We’ll help you get everything sorted so there are no surprises when it’s time to get the keys.

Before your lease is up, we’ll reach out to chat about your options. We can either help you find your next ride or walk you through the process of buying out your lease. Either way, we’re here for you.

Let’s not do that song and dance. We aren’t interested in wasting your time playing tug-of-war on price. We use upfront, transparent pricing paired with CarGurus ratings to demonstrate that you’re getting a good deal. You can trust that the list price is the list price, and no one is going to outbid you on a car.

In Ontario, vehicle purchases are generally final sale and there’s no cooling-off period. But because we understand buying online can mean you’re seeing the vehicle for the first time when it arrives, Carpal offers a 7-day grace period.

If it’s really not the right fit, or if there’s something wrong with the vehicle, you can return it within seven days, subject to the terms of our return policy.

We do limit returns to one per customer, and you’re responsible for getting the vehicle back to us or covering the cost if we need to arrange transportation, unless it is established that there is genuinely something wrong with the car.