Even if you’re carrying bad credit there’s no reason you can’t get approved for a loan if you live in or near Toronto.

Today, online services like Canada Drives makes it easier than ever to get approved for auto finance while its subsidiary, Fresh Start Finance, offers personal loans of up to $15,000 that can be e-transferred to your bank account within 24 hours! Furthermore, a loan from either Canada Drives or Fresh Start Finance can help you start building your credit score again.

The online solution for bad credit loans in Toronto

Having a vehicle in the GTA (or anywhere in Ontario for that matter) is very convenient; whether commuting to work, school, or zipping around as a rideshare driver. It’s a sprawling part of Canada with an unreliable public transit system. 

Getting approved for a car loan couldn’t be easier – you don’t even have to leave your couch! As opposed to stuffy banks who specialize in saying ‘no,’ a trusted lender like Canada Drives makes applying online convenient and stress-free. And better yet, Canada Drives specializes in bad credit situations; we believe everyone deserves a second chance.

Canada Drives is an award-winning company with a proven 10-year track record of helping credit-challenged customers get approved for auto financing. That’s a decade of putting drivers behind the wheel of their dream cars. Check out this testimonial from a couple of our happy customers:

And now Canada Drives has a personal loan sister company – Fresh Start Finance! You get the same trusted financing service as Canada Drives, and the same easy, online approval process.

Canada Drives was named Canada’s Best Managed Companies and one of Deloitte’s Technology Fast 50 in 2019, but even more important than those accolades are the near-perfect customer scores on review sites Trustpilot and feefo. It tells you this is a company you can count on.

Why work with us?

Whether you’re looking for a car loan to drive the Toronto streets or a personal loan to reach a short-term financial goal, Fresh Start Finance and Canada Drives have one goal in common – helping customers easily secure approved financing. Here’s what both brands have to offer:

Any credit accepted: No matter what your credit situation is both companies are here to help ALL customers from all types of backgrounds to get the cash they need; whether for a car or personal reasons.

Apply for free online and in minutes: Life moves fast and we’re here to move quickly with you in getting your loan application processed. Apply in minutes online and get approved, with money transferred to your account, all on the same day! 

Easy online or over-the-phone process: We can communicate in a way that’s most comfortable for you. Talk to us by phone, email or even text! We offer live customer support 24/7. 

Flexible payment plans: Fresh Start Finance and Canada Drives makes financing stress-free and tailored to your specific situation. Both offer flexible payment schedules to meet your needs and set you up for success.

Build back your credit score: Unlike payday lenders, who charge punishing interest rates and demand quick repayments, a personal installment loan or auto financing loan can help restore your credit. If you’re facing a negative credit situation, a positive payment history using these loans can provide a great credit-building tool.

Tried and trusted: Hear what other customers are saying and check out the reviews on Trustpilot and feefo. Helping Canadians across the country has given Fresh Start and Canada Drives a high level of trust with those we work with. 

Here's how it works

Having bad credit and living in Ontario shouldn’t hold you back from getting that car of your dreams or securing a personal loan to help pay for a big upcoming expense like a wedding or renovation.

Whether you’re applying at Canada Drives or Fresh Start, we believe loans should be simpler, faster, and more convenient than a bank. Here's how it works: 

Applying for finance these days is almost as easy as signing up for an app! Furthermore, our loan products can actually help you repair your credit score. So if you're ready to get approved, apply today and start building credit for a brighter financial future. 

Apply for Your Car Loan

Your online application takes only 3 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