Buying a new car with bad credit in Ottawa used to be a challenge.

Traditionally, you have to leave your house to find a vehicle, hopping from dealership to dealership until you find the one that’s right for you. When you find a vehicle you like, you apply for finance. If you can't get approved for the car loan you need, it can be incredibly frustrating after all that time spent searching!

Fortunately, there’s another way...

Auto finance is easy with Canada Drives®

dealership locations in Ottawa

If you have bad credit in Ottawa, why not save yourself a lot of time by focusing on the dealerships that work with bad credit customers?

If you live close to downtown in places like Westboro, Overbrook, Alta Vista, or Carlington, there are lots of nearby dealerships to choose from when you’re ready to buy a car, but many of these dealerships don’t offer bad credit car loans in Ottawa. 

If you live further outside Ottawa in places like Nepean, Kanata, Goulbourn, or Ficko, it can be even harder to find a dealership near you that works with bad credit customers. But Canada Drives® makes auto finance easy. As the premier bad credit car loan specialists in Canada, we’re partnered with dozens of certified dealerships and most of the top lenders in Ottawa, Ontario.

With Canada Drives®, you can apply for finance online in a couple of minutes, get pre-approved in a couple of hours, and get matched with a local dealership in Ottawa or near Ottawa that has just the vehicle and affordable financing you’re looking for!

And the best part? Our service is FREE!

Since 2010, we’ve been growing our network of dealerships and lenders in Ottawa. We work with:

  • Dedicated staff and consultants with years of experience in helping customers with bad credit or no credit to get a loan.
  • Over 350 dealership partners with a huge inventory of vehicles in every price range to match your budget and lifestyle.
  • Trustworthy lenders that specialize in approving loans for credit-challenged customers.

When banks say NO, Canada Drives® says YES

If you’ve been declined for finance in the past, you’ve come to the right place. Here's what sets Canada Drives 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 process 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 FREE: What have you got to lose? See what you're eligible for today!

How Canada Drives® helps bad credit customers in Ottawa!

Bad credit is more common than you think it is, but we’ve helped over 1 million Canadians find reliable 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 Ottawa residents weren’t born in Canada. 

And did you know that once you get approved, a car loan can actually help you rebuild your credit rating? That’s right, our loans act as stepping stones to a better credit rating. And with a better credit rating, you’ll qualify for a better interest rate in the future!

Apply today to see how we can help you find a car, secure auto financing, and get on the road to a better financial standing in a matter of days!

Get pre-approved in a few simple steps

Ready to apply? You could be driving your new vehicle within 48 hours! Here’s how it works:

  1. You decide what kind of car you want and what your budget allows for. You can use our Car Loan Calculator to figure out your monthly payments. You don’t need to know your credit score before applying, but if you're interested, you can learn your credit score for FREE at sites like Borrowell.
  2. If you're not sure what you can afford, you can skip step one, and complete our fast online application. It’s FREE to apply, only takes 2 minutes, and is 100% secure. We DO NOT NEED your Social Insurance Number (SIN).
  3. Once we review your application, one of our consultants will reach out to chat about your options. We'll match your profile with a certified dealership in your area with a variety of vehicles to match your budget and needs. Then, all you have to do is pick a car you love!

Get approved for a poor credit car loan in Ontario

We don’t just serve Ottawa, we’re set up to help nearly every car buyer in Ontario! Apply now and get near-instant approval in:

Barrie Kenora Quinte West
Belleville Kingston Sarnia
Brampton Kitchener Sault Ste. Marie
Brant London St. Catharines
Brantford Markham St. Thomas
Brockville Mississauga Stratford
Burlington Niagara Falls Temiskaming Shores
Cambridge Norfolk County Thorold
Clarence-Rockland North Bay Thunder Bay
Cornwall Orillia Timmins
Dryden Oshawa Toronto
Elliot Lake Owen Sound Vaughan
Greater Sudbury Pembroke Waterloo
Guelph Peterborough Welland
Haldimand County Pickering Windsor
Hamilton Port Colborne Woodstock
Kawartha Lakes Prince Edward County  

So, if you’re tired of wasting time and getting declined, apply now for your bad credit car loan! It really is that easy!

Pro tip: Make sure to ask your dealer about our zero down options!

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