How to get a car loan with bad credit in Ontario

Are you struggling to get a loan due to bad credit or no credit? With Canada Drives®, getting a car loan with bad credit is easier than you think!

We specialize in helping car buyers with subprime credit. We can help you get pre-approved for a great vehicle and a car payment plan that works for you.

Get approved for auto finance within 24 hours!

We make it look easy! Regardless of credit, Canada Drives® are the experts of fast approval car loans in Ontario!

Apply today, and you could be driving your new car tomorrow!

Even if you have no established credit history—whether you're a recent graduate or new to Canada—you're still able to qualify for bad credit auto loans with Canada Drives. 

Here's how it works:

  1. Apply in minutes to our simple online application form.
  2. Within 24 hours, an experienced consultant will be in touch to discuss your options.
  3. You'll be connected with a nearby dealership that has a selection of vehicles that fit your budget.
  4. Then, you simply choose a car you love, sign a few papers, and drive away!

Ontario's 1-stop solution for quick & easy car loans

If you’ve been declined for auto finance in the past, you’ve come to the right place.

Here's what sets Canada Drives® us apart:

  • We work with ALL credit situations: Bad credit? No credit? No matter where you are on the credit spectrum, our digital doors are open 24/7!
  • Easy online application: We have made the online application extremely quick and painless. It takes 2 minutes to complete!
  • Incredibly fast pre-approval: Don’t waste time looking at vehicles you can’t afford. Apply and get pre-approved in the same day!
  • No more face-to-face appointments: We do everything by phone or email. It means less paperwork and less effort for you!
  • Massive selection of vehicles: Whether you want a car, truck, van, or SUV, our extensive nationwide network of dealerships has what you're looking for.
  • Thousands of happy customers: Since 2010, we've been helping customers find great cars and affordable loans! But don't take our word for it; check the reviews for yourself!
  • $0 money down: If you have bad credit and want to avoid a down payment, we have zero down options for you!
  • NO OBLIGATION to commit: Changed your mind? Simply walk away!
  • Our service is 100% FREE: What have you got to lose? See what you're eligible for today!

How Canada Drives® helps bad credit customers in Ontario!

We’ve helped over 1 MILLION Canadians find new vehicles with affordable auto financing.

We specialize in helping credit-challenged individuals facing:

  • Missed Payments: Most people have missed a payment or two in their lifetime
  • No Credit /First-time Borrower: Everyone has to start somewhere; why not start with an affordable car loan?
  • Bankruptcy or Consumer Proposal: Start fresh and build your credit faster by making payments on a great vehicle.
  • Divorce: It happens to more than 35% of marriages.
  • Repossessions: Got a bad deal? Ran into hard times? It happens. We can help!
  • New to Canada: Welcome! Many Ontario residents weren’t born in Canada, and many newcomers find it difficult to get approved for credit. We can fix that problem and put you on the road to a brighter financial standing!

What If I live outside major Ontario cities?

If you live in big cities like Toronto, Ottawa, Hamilton, Kitchener, or London there are lots of dealerships to choose from when you’re looking for a car, but many of these dealerships don’t offer bad credit car loans. 

If you live in smaller cities and towns like Oshawa, Windsor, Barrie, Thunder Bay, or Sarnia, it can be even harder to find a dealership near you that works with bad credit customers.

We don't just serve Toronto and Ottawa - we work with the most reputed lenders and dealerships throughout Ontario! Wherever you live in the province, click here to apply now and get approved today!

Barrie

Kingston

Sarnia

Belleville

Kitchener

Sault Ste. Marie

Brampton

London

St. Catharines

Brant

Markham

St. Thomas

Brantford

Mississauga

Stratford

Brockville

Niagara Falls

Temiskaming Shores

Burlington

Norfolk County

Thorold

Cambridge

North Bay

Thunder Bay

Clarence-Rockland

Orillia

Timmins

Cornwall

Oshawa

Toronto

Dryden

Ottawa

Vaughan

Elliot Lake

Owen Sound

Waterloo

Greater Sudbury

Pembroke

Welland

Guelph

Peterborough

Windsor

Haldimand

Pickering

Woodstock

Hamilton

Port Colborne

Kawartha Lakes

Prince Edward County

Kenora

Quinte West

So if you're worried about your credit rating, begin your quick application. Not only can we get you approved for an auto loan, but our loans will also help you rebuild your credit!

Click to apply and find out what you're eligible for!

Apply for Your Car Loan

Your online application takes only 2 minutes to complete and we only ask for information we actually need.

Get Approved Today

Or feel free to call us at
1-888-865-6402