Bad Credit Car Loans

Finding a lender or finance agency that is willing to approve a car loan can be a struggle when your credit isn’t as good as it could be. If you are tired of looking for that new car that you need, contact for the best rates and deals on new and certified used cars.

Most credit providers automatically deny loan requests if they see that the applicant has bad credit. When you choose to go with you don’t have to worry about being turned away just because you have bad credit. We approve anyone who is looking for a car loan no matter what their current credit situation might be.

Our dedicated team will guide you through the entire process, from the application to the delivery of your new car. Don’t let bad credit stop you from getting that car you need. Find out how can help you achieve your goals now.


Do You Have Bad Credit?

If you have found yourself in a position where you don’t have the greatest credit score, it is most likely because you have missed payments on your credit cards and other forms of credit, or you have not paid them at all. Credit bureaus also take public records into account when calculating your credit score. Information such as any bankruptcies, government tax liens or legal judgments made against you.

What Is Considered Bad Credit? 

Your credit is typically rated on a numerical scale from 300 to 900. In this case, the higher the number, the better your score. A credit score between 650 to 670 is considered to be the low end of what is considered a good score. If you fall below 650, you will most likely struggle to find anyone who will be willing to lend you money. Lower scores will also result in higher interest rates and fees, but at we do everything in our power to get you the best rates possible. It’s important to understand how your credit is affected by different behaviours so that you can do everything within your power to build better credit and increase your score.

Fixing Your Credit

There is no simple solution to instantly “fix” your credit. Unless you are a victim of identity theft or a major error has been made by a credit bureau, it takes time and good financial management to improve your credit. As a Canadian citizen, you are entitled to a free copy of your credit report annually. If you closely monitor your credit report and keep track of your credit spending and repayments, it will be easier to keep your credit score high.

How a Car Loan Can Help Fix Your Credit

Not only will help you find a vehicle through a no credit car loan, but you will be able to leverage your loan with us to increase your credit score! As previously mentioned, there is no instantaneous fix to solving all of your bad credit problems. However, that being said, having a smaller loan will help start the process.

The key to improving your credit is to make consistent repayments on any outstanding credit you might have. Unlike a revolving credit account (like a Visa or Mastercard), a car loan is repayable through monthly installments over a set period of time. The amount you need to pay every month is fixed, therefore you know how much you need to pay every month in order to not carry it from one month to the next. Regular, on-time repayments will prove to credit bureaus who have collected your history that you are a reliable and trustworthy borrower. Making these repayments on time and for the full amount accounts of 35% of your credit score, which is the highest share among all five categories. Additionally, you can pay higher amounts every month to show that you are capable of repaying higher loans in the future.

Bad credit car loans with are a great way to finance the car you need when other lending agencies won’t approve your application. It is also a great opportunity to start building your credit back up in a manageable loan. Since’s services are available to anyone, you won’t have a difficult time starting the process of rebuilding your credit!


How to Apply for a Bad Credit Car Loan

With the process to get your bad credit car loan is super simple! All you have to do is follow an easy three-step process when you choose to use our services. Just apply online, choose the best vehicle for you from a curated selection and pick when and where to have it delivered.

Unlike other loan services and banks, we don’t require a good credit history in order to apply. We accept everyone, no matter what their current credit situation might be. So if your bad credit history is keeping you from applying for a loan, you don’t have to worry about getting rejected by us!

The Online Application

The first step towards getting your bad credit car loan is to apply online through our website. We will just require you to fill in a few important pieces of information before you submit your application to one of our team members to review. We will also fight for you to receive the best interest rates from Canada’s leading banks. So when you choose to get your bad credit car loan through, you can be guaranteed to get the lowest rates possible.

Additionally, there is no need to worry at any step when applying for your bad credit loan. If you ever have any questions or aren’t sure how to complete the application, one of our service representatives will be more than happy to give you a hand and walk you through the process. That way, you can just focus on choosing which car best suits your needs.

Selecting Your Vehicle

Once you have finished the online application and receive approval, you will then be given a range of over 7,000 cars to choose from. We offer both brand new and certified used cars that have all been put through industry standard inspections as well as performance tests. That way, you can feel good about knowing you are going to pick a car that is safe and reliable when you choose to use our services. The best part is that if you realize that the car you have chosen isn’t right for you, then you can just exchange it for another choice within 30 days of receiving your vehicle. We will work with you to make sure you find the perfect car that satisfies all of your needs.

Vehicle Delivery

We want to be certain that we are doing everything we can to make this entire process easy for our customers. Therefore, after you have chosen your new vehicle, we will deliver it right to you! All you have to do is tell us when and where in Ontario you would like us to drop your car off and one of our reliable team members will personally deliver it to you. Get your new car with as little inconvenience as possible and without any additional fees.

Why Choose will approve your application when other financing agencies won’t. Through our easy online application, impressive customer service and a wide selection of reliable vehicles to choose from, you will not regret choosing us as your bad credit car loan provider. We want all of our customers, regardless of their credit history, to be given the peace of mind of a dependable vehicle and the convenience of a bad credit car loan. We believe in not only helping our customers achieve their goals but also in providing them with the chance to start building their credit back up.

If bad credit is holding you back from getting the loan you need to finance a car, you don’t have to worry. Choosing will ensure you get that bad credit car loan at the best rates possible. Contact us today and get approved right away!