How It Works

In order to get a bad credit car loan with, all you have to do is follow our simple 3 step process! It’s the easiest way to get a car loan in Canada as we accept everyone’s application, no matter what their credit situation might be. So if you are new to building your credit, have bad credit or even no credit at all, we can help! is also a great option for anyone who might be new to Canada too. As your credit history doesn’t follow you from country to country, moving to Canada means you are starting fresh. A bad credit car loan with us is the perfect way to start building your history here!

Unlike other financial bureaus, we don’t require you to have a high credit score or a long history in order to qualify for a loan – we work with everyone to ensure they get the car that they need. Find out how can help facilitate and simplify the process of getting a bad credit car loan. It’s never been as straight-forward and hassle-free for customers as ever before; all you have to do is fill out an application, select your new car and have it delivered.

Application & Approval

If another lender has declined your application for an auto loan, you can turn to us. We approve applications from everyone regardless of their credit status. Feel confident in choosing to be your lender. Our online application and approval process for bad credit car loans has been simplified in order to make it as stress-free as possible for you.

It will only take you 15 seconds to fill out. All we need from you are a few important pieces of personal details including your name, contact information, how old you are and your annual income. After you have submitted your application, we’ll give you a call to qualify your auto loan application. Next, we work to find the best bad credit car loan approval at the lowest rates that Canada’s 20 leading banks have to offer.

The best part is that you won’t be left waiting to hear back for long! On average, our customer’s applications are approved within 12 hours of submitting online. Part of our commitment to customer service is to provide fast results.

If you are confused by the application process at any time or have questions you’d like answered, feel free to give us a call .One of our friendly service representatives will be more than happy to provide you with the support you need and walk you through the procedure.

Browse Our Selection

Now it’s time for the fun part! Once you have been approved for your bad credit car loan, we’ll help you find the new ride you’ve always wanted while fitting within your budget at the same time!

We have partnered with The Humberview Group in order to provide our customers with the best selection of vehicles available. This means we have access to 29 franchised dealerships across Ontario with over 5,000 vehicles for you to choose from. That’s the equivalent of $75,000,000 worth of inventory that we move through with every new approval.

Based on the loan that you have been approved for, we’ll find you a car that fits within your budget. Choose from a wide variety of new and certified used vehicles to find the one that’s right for you! Whether you are looking for a car, truck, van or SUV, there’s surely something for everyone. At, we have been able to provide over 50,000 satisfied customers with used vehicles in excellent condition since first offering our bad credit car loan services in 2014. We know that we can do the same thing for you! And if we don’t carry a specific vehicle that you’re looking for, we will find it for you.

Having bad credit doesn’t mean you have to lower your standards or compromise your safety when selecting a new car. Our reconditioning process assures that we only sell great, reliable cars. Every car we offer meets Ontario’s strictest safety certification requirements – if it’s not a vehicle we wouldn’t feel confident driving ourselves, we don’t carry it!

After you’ve made your choice, you will be provided with a full history of your new vehicle. This includes important information such as where your vehicle was previously located, the number of owners it might have had prior to you, any reported accidents and if the vehicle was a rental.

Vehicle Delivery

Congrats! You have now found the perfect car for you. Once that decision has been made, our team will fix it up, give it a deep clean and deliver it to you!

At, we work tirelessly to make the entire bad credit car loan process as easy for you as possible. We offer delivery anywhere within Ontario so just pick a time, date and location that works for you and one of our trusted team members will personally deliver your new vehicle, absolutely free of charge! And if you would rather pick up your vehicle from our head office in Toronto yourself, that works too!

If you’re ever unsatisfied with your new vehicle after it has been delivered, we offer a 30-day exchange policy you can take advantage of. We will work with you to find something that is more suitable without any additional fees.

Why Choose Auto Loans Canada?

At, we take pride in providing our customers with an accessible bad credit car loan process and the safest vehicles. We also offer the option to renegotiate your rate after one year.

Getting a car loan can be a daunting process, especially when you already have bad credit. But did you know that getting a bad credit car loan is actually a great way to rebuild your credit score? Making scheduled monthly, on-time repayments is the best way you can improve your credit. It’ll also show you’re capable of handling a bigger loan in the future. Find a car loan that works for you while building your credit at the same time! is the leading bad credit car loan agency in Ontario. We approve applications from all our customers, no matter what their credit status might be. So whether you are new to credit, have bad credit or none at all, we can help you find the best loan at the lowest rates.

Don’t allow for your credit history to keep you from getting the new car that you need. Contact us today to find out how our bad credit car loans can get on the road tomorrow!