Car Loans St. Catharines


Credit Matters

Anyone will tell you that when it comes to securing a car loan in St. Catharines, credit matters. It is an unfortunate reality, but credit is the key to gaining approval with many banks and other financial lenders. The reason for this is because lenders require some sort of proof that if they lend you money, it is a guarantee that you will pay it back. The solution to this? Credit scores.

Red jeep financed with bad credit car loan

While you may think that this particular three-digit number is not all that important, you may want to think again. Your credit score can be the reason you buy your dream home or turn your passion project into a small business. Your credit score can make the difference between getting approved or denied for a car loan in St. Catharines.

Most credit lenders take an individual’s credit score as an exact representation of their financial capabilities, however, we know this to not be true. There are a variety of reasons why you might find yourself in a situation where your credit score is not as great as you would like it to be, which might be the reason you do not get the St. Catharines car loan that you need.

This is where we can help.

Car Loans with

At, we believe in providing everyone will the car loan in St. Catharines, regardless of their credit history. So if you are someone who already has a superb credit score, you will not need our help. You have the system figured out! Unfortunately, this is not the case for every person in Ontario.

If your credit score is the reason banks keep denying your car loan in St. Catharines, you can rest easy knowing that you have come to the right place. Not only will we approve your car loan application despite your credit history, but we will also give you the chance to rebuild your credit so that you do not have to worry about this problem in the future.

In fact, applying for a car loan in St. Catharines has never been easier with our services. Our online application is a simple three-step process that will take you only 15 seconds to initially fill out. All you have to do is provide us with a few personal details and you can expect to hear back from us within a day or two with your loan approval!

If you are completely new to credit, are only just beginning your credit history in Canada, have no credit score, or even a bad one, there are options for you. Keep reading to find out how we can help you get into the car that you deserve.

New To Credit

Anyone who is new to credit will have a difficult time getting their car loan in St. Catharines approved through more traditional means such as banks. While it might seem unfair that they will deny you seemingly without any just cause, they will see it as too much of a risk.

However, with that being said, you will not have to worry about this issue when you apply for a new credit car loan with We will approve individuals who are new to credit so that they can get the car that they need.

Additionally, did you know that a car loan in St. Catharines is actually a great way to start building your credit history? Since it is a smaller loan than, say, a mortgage, you will have the opportunity to prove your reliability as a borrower by making monthly repayments on time and for their full amounts.

Newcomers To Canada

Similarly, if you are new to Canada you will also be new to credit. Your credit history does not follow you as you move from country to country, meaning that you are basically starting from scratch. You can apply for a new credit car loan in St. Catharines through to start rebuilding it right away.

We know that making the transition to living in a new country can be stressful, which is why we want to help make at least one aspect of it a little less overwhelming. We strive to provide all our customers will a good experience from the moment they click the button to submit their application to when your new vehicle is delivered to you.

We also offer leading customer support services that can help you whenever you need it. If you have any questions regarding the application process or our services in general, one of our customer support representatives would be more than happy to help.

No Credit Score

It is possible for some people to find themselves in a situation where they have a credit history but no credit score. There could be a number of reasons why this is the case. For instance, if you have just turned 18 and applied for your first credit card, this means that you will have a credit history before you have even made any purchases. Since there are no records of you repaying your credit card, there won’t be any data to calculate your credit score.

No matter the reason you may have found yourself in this position, can still help. We offer no credit car loans in St. Catharines for anyone who may be dealing with this problem. This way, you can get approved even without a credit score!

Bad Credit Score

One of the most challenging reasons why you might be having difficulties obtaining a car loan in St. Catharines is because of a problematic credit score. Very rarely will banks or other financial lenders be willing to approve your loan application if they see that you do not have a good score. What this means is that you have probably spent a lot of time applying for loans only to rejected again and again.

Not only can this be disheartening, but it can also feel unfair since there are a wide variety of life circumstances that could have led to you being in this position. However, that does not mean you have to accept this as your fate forever. Applying for a bad credit car loan with will give you the chance to not only get the car you need but also have the opportunity to repair your score.

Contact Us

When you apply for a car loan with, you can expect to be approved no matter what your credit situation may be. Our dedicated staff will work hard to ensure that you receive the best loan possible at the lowest rates that Canada’s leading banks have to offer.

If you have any questions, contact us! We are more than happy to assist you with anything you may need.