We Welcome All Credit Scores
Bad credit car loans Canada - All credit scores accepted for second chance auto financing
Great Job Offer
Key Features For Your Credit Approval
Your credit score doesn't define your future. Whether you have excellent credit, poor credit, or no credit history at all, we have financing solutions designed for you. Our network of specialized lenders understands that everyone deserves a second chance and the opportunity to rebuild their financial future while getting the vehicle they need.
Special Benefits of All Credit Financing
No Minimum Credit Score
We work with all credit situations - from 300 to 900. Your past doesn't determine your eligibility.
Credit Rebuilding Programs
Our loans report to credit bureaus, helping you rebuild your credit score with every payment.
Flexible Down Payments
Various down payment options available to fit your budget and improve your approval chances.
Key Features For Your Auto Loan
We Accept All Scores
300-559
Poor
560-659
Fair
660-900
Good+
- Bankruptcy discharge accepted
- Consumer proposal eligible
- New to Canada programs
- First-time buyer options
- Self-employed solutions
- Previous repossession OK
- Multiple lender network
- Same-day approvals
Great Offer For Customer
Amazing Features For All Credit Types
Bad Credit OK
Previous financial challenges won't stop you from getting approved for the car you need.
Read More →No Credit History
New to credit? We have special programs for first-time buyers and newcomers to Canada.
Read More →Build Your Credit
Every on-time payment is reported to help improve your credit score for the future.
Read More →Fast Decisions
Get approved quickly regardless of your credit situation with our streamlined process.
Read More →Amazing Company
Great Auto Financing Solutions For Every Credit Score
Don't let your credit score hold you back. Calculate your payment and discover financing options tailored to your unique situation. Everyone deserves a second chance.
Car Loan Calculator
Your Estimated Payment*
$488.57
/ monthly
at 9.99% APR
Amount financed: $23,000.00
Term: 60 payments · APR: 9.99%
Don't worry, this won't impact your credit history.
Frequently Asked Questions
What credit score do I need to get approved?
We don't have a minimum credit score requirement. We work with all credit situations from 300 to 900, including those with no credit history. Our network of lenders specializes in finding solutions for every customer.
Can I get approved after bankruptcy?
Yes! We can help you get approved after bankruptcy discharge. We also work with customers in active consumer proposals. Each situation is unique, and we have lenders who specialize in post-bankruptcy auto financing.
Will applying hurt my credit score?
Our initial pre-approval uses a soft credit check that doesn't impact your score. Only when you proceed with a specific lender offer will a hard inquiry be made. We minimize credit impacts by working with multiple lenders through a single application.
How can a car loan help rebuild my credit?
Auto loans are excellent for credit rebuilding because they're installment loans that report monthly to credit bureaus. Making on-time payments demonstrates creditworthiness and can significantly improve your score over 12-24 months.
What if I'm new to Canada with no credit history?
We have special newcomer programs for those new to Canada. We understand building credit takes time, and we work with lenders who consider international credit history, employment status, and down payment ability rather than just Canadian credit scores.
