Get Approved for a Car Loan in Ontario
We specialize in helping Canadians with bad credit, poor credit, or no credit get behind the wheel. Fast decisions. Flexible terms. Rebuild your credit while you drive.
Bad credit, no credit, bankruptcy, consumer proposal, or collections—we work with Canadian lenders who specialize in helping people in your situation. If you have income and a valid license, we'll do our best to find you an approval.
Every payment you make is reported to credit bureaus. Our bad credit car loans are designed to help you rebuild your credit score while driving the car you need.
Get approved in minutes, not days. Our streamlined application takes 2 minutes to complete, and you'll receive a same-day decision. Drive away today!
Fill out our simple application form. We match you to the best dealer for your situation from our network of 100+ dealers - typically a small, temporary impact on your credit score.
Receive your approval decision within minutes. We'll match you with the best financing options for your situation.
Browse our inventory of quality used cars or bring your own. We work with all major dealerships across Ontario.
Complete the paperwork and drive away in your new car. Start rebuilding your credit with every payment!
See exactly what you can afford based on your credit situation
Estimates shown for educational purposes only. Final approvals and rates are determined by the lender.
Your Estimated Monthly Payment
$309
per month for 60 months
Interest Rate
14.99%
APR
Loan Amount
$13,000
Principal
Total Interest
$5,552
Over 60 months
Total Cost
$18,552
All payments
Credit Score Improvement
After 5 years of on-time payments, your credit score could improve by 120+ points, reaching approximately 670!
Important: Rates and terms are estimates for educational purposes only. Actual rates may vary based on your complete financial profile and lender underwriting.
Example Scenario 1
500 Credit Score
$15,000 vehicle, $2,000 down, 60 months
→ $344/month
Example Scenario 2
550 Credit Score
$20,000 vehicle, $3,000 down, 60 months
→ $422/month
Example Scenario 3
600 Credit Score
$26,500 vehicle, $4,000 down, 60 months
→ $535/month
Example Scenario 4
525 Credit Score
$20,000 vehicle, $0 down, 60 months
→ $486/month
Yes! We guarantee approval for all credit situations. As long as you have a valid driver's license, proof of income, and can afford the monthly payment, you will be approved.
No. Our initial application does not require a hard credit check. We only perform a soft inquiry that does not impact your credit score. A hard check is only done after you accept an offer.
Interest rates vary based on your individual situation, but we work hard to get you the best rate possible. Our bad credit rates typically range from 9.99% to 19.99% APR. As you make on-time payments and rebuild your credit, you can refinance to a lower rate.
Down payment requirements vary, but we offer options as low as $0 down for qualified applicants. A larger down payment can help reduce your monthly payments and interest rate.
Most applications are approved within minutes. Once approved, you can often drive away the same day or within 24-48 hours depending on vehicle availability.
Important Disclaimer
Rates vary based on credit profile, vehicle age, and other factors. Advertised rates may not be available to all applicants. Final approval and terms are determined by the lender based on your individual situation, including credit history, income, down payment, vehicle selection, and loan term. All financing is subject to lender approval.
Don't let bad credit hold you back. Submit one application and get matched to local dealers who specialize in helping people in your situation.
Apply Now - Get Real Approval DecisionsOr call us: 1-888-660-8663