Don't you wish buying a car was easy? Is bad credit complicating things?

You’ve come to the right place!

At Canada Drives, we try and help everyone get behind the wheel of a car they love, even if they have bad credit!

Not only that, our car loans are designed to help you rebuild credit!

With Canada Drives®, you can:

  1. Apply for finance online in a couple of minutes;
  2. Get pre-approved in a couple of hours; and
  3. Get matched with a local dealership in St. Johns or near St. Johns that has the new vehicle and affordable financing you’re looking for!

It's never been easier to get a bad credit car loan in St. John 

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? Wherever 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 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!

We serve ALL of Newfoundland

If you live outside a big town or city, we know how hard it can be to find a dealership that specializes in bad credit auto loans. That's why we serve the entire province of Newfoundland and Labrador:

Baie Verte

Grand Bank

Pouch Cove

Bay Bulls

Grand Falls-Windsor

Spaniard's Bay

Bay Roberts

Happy Valley-Goose Bay


Bishop's Falls

Harbour Breton

St. Alban's


Harbour Grace

St. Anthony



St. George's


Humber Arm South

St. Lawrence






Stephenville Crossing


Labrador City


Channel-Port aux Basques


Trinity Bay North




Clarke's Beach

Massey Drive

Upper Island Cove

Conception Bay South



Deer Lake








Witless Bay






Portugal Cove-St. Philip's

More resources

Forget the jargon. We make car finance easy. Learn more...

  • Is bad credit holding you back? You came to the right place! Learn more about how Canada Drives can help!
  • Take a closer look at popular dealership sales promotions and see what offer is right for you!
  • If you've recently been declared bankrupt, there are companies that can help you get back in the driver's seat. Learn more about how you can get a car loan after bankruptcy.
  • Want to know what your monthly car payment might look like? Explore your approval options with our Car Loan Calculator.
  • Don’t know your credit score? Find out how to download your credit report and check your credit score for FREE!
  • Thinking of trading in your old car? Don’t do anything until you learn the tricks of the trade-in.

Ready to apply?

Ready to get pre-approved? Start your application today! It only takes 2 minutes to complete and you could be driving your new car in as little as 48 hours!

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