We Help These Credit Situations
No matter what's on your credit report, we have lenders who can work with your situation.
Credit Score Under 600
Most banks say no at this level, but our lenders specialize in helping people with scores between 450-600 get approved.
Previous Bankruptcy
Discharged or undischarged bankruptcy doesn't mean you can't get a car. We help people rebuild after financial hardship.
Consumer Proposal
Currently in or completed a consumer proposal? Many of our lenders will work with your situation.
Collections & Judgments
Outstanding collections or judgments don't automatically disqualify you. We look at the full picture.
Late Payments
Missed payments in the past? Life happens. We focus on your current situation and ability to pay.
Repossession History
Had a vehicle repossessed? It's not the end. We can help you get back on the road.
How Bad Credit Financing Works
Our process is designed to get you approved quickly, even with credit challenges.
Quick Application
Fill out our 3-minute form. We use a soft credit check that won't hurt your score.
Get Matched
We submit your application to our network of 15+ lenders who specialize in bad credit.
Review Options
Our team contacts you with your approval amount, rates, and payment options.
Choose Your Car
Pick from thousands of quality inspected used vehicles that fit your budget.
Bad Credit Car Loan Myths
Don't let misinformation stop you from getting the vehicle you need.
Myth: You need good credit to buy a car
Truth: False! We approve people with credit scores as low as 450. Your income and stability matter more than your score.
Myth: Bankruptcy means no car loan for 7 years
Truth: False! Many people get approved immediately after discharge. Some even before discharge is complete.
Myth: Bad credit means terrible interest rates
Truth: Not always! While rates are higher, we negotiate with multiple lenders to find you the best possible rate for your situation.
Myth: You need a large down payment
Truth: Not necessarily! Many of our customers get approved with $0-$1,000 down depending on their situation.
What You Need to Apply
Bad credit approval focuses on your current situation, not just your past.
✓ Basic Requirements
- •18 years or older
- •Valid Ontario driver's license
- •Proof of income ($1,500+/month)
- •Canadian citizen or permanent resident
✓ What Helps Your Approval
- •Stable employment (6+ months at current job)
- •Down payment (not always required)
- •Proof of residence
- •Recent pay stubs or bank statements
Frequently Asked Questions
Get answers to common questions about our financing process
We work with all credit types! Whether you have excellent credit (720+), fair credit (600-659), poor credit (below 600), or no credit history at all, we have lending partners who can help. Our network of 15+ Canadian lenders means we can find financing options for almost everyone.
Still have questions?
Can't find what you're looking for? Call us at (905) 555-0199 or send us a message - we're here to help!