Bad Credit

Bad credit car finance

  • Are you looking for a car loan with bad credit? We're bad credit auto finance experts who can help you get approved for a loan.

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We’re Bad Credit Auto Finance Experts

As vehicle finance experts, we recognize that having a good credit score isn't always feasible, whether you've never taken out credit before or have had credit issues in the past. You don't have to be unable to purchase a vehicle because you have bad credit.

  • We understand how tough it may be to find the right low-credit vehicle loan. That's why we constantly go above and beyond to find the greatest offer for your unique situation. We'll start with a soft search rather than a full credit check, so your credit score won't be affected throughout the application process. This will tell us whether or not we can secure credit for you and what kind of credit we can get. Only if our first offer appears to be a good fit for you will we proceed to the full credit application.

We will get you a second chance.

Canada Prime Autos is here to assist you. We don't let your credit score define you, and we don't feel it's always representative of your actual condition, unlike the large banks and other lenders. That's why we provide bad credit financing to customers who don't have perfect credit but nonetheless qualify for a car loan. We all know that having a car is crucial to finding work and maintaining a comfortable living.

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How to apply for car finance with bad credit

To apply for auto finance with negative credit, we usually recommend starting with our car finance calculator. This will give you a good indication of how much your auto loan will cost based on the repayment term and the amount you wish to borrow.

Even if you have bad credit or no credit history, applying for a car loan with us is simple once you know how much you want to borrow and for how long.

Call our team at (647) 598-7463

if you require any assistance or information.

Our simple, Quick and Easy application process

Request a quotation

Request a quotation using our online form or call us for more information.

Call our team at (647) 598-7463

Credit Check

We'll then perform a mild credit check to see whether we can provide you with car financing. This has no impact on your credit score.

Temporarily Accepted

If you're temporarily accepted, we'll be pleased to talk about your options and a monthly budget that you can afford based on your unique situation.

Paper Work

We'll let you know what paperwork we require. If you're still on the lookout for a car, we can assist you.

Get your Vehicle

We'll pay the dealer once the auto loan is approved, and you'll be able to pick up your new vehicle!

Frequently asked

bad credit car finance questions

Yes, you certainly can. We are bad credit auto finance experts who assist hundreds of customers each month with their car financing needs. Assisting them in getting into the car they need and onto a better route.

In just a few minutes, you can get an estimate to see what your loan would look like with us.

No, even if you have low credit, guaranteed auto financing is a misconception—it doesn't exist. This is due to the fact that a lender will never be able to promise you any form of financing without first performing the necessary affordability and credit checks. They won't be able to tell you for sure if you can acquire car financing until they've completed these checks.
If you have bad credit, we can provide you with no-deposit car financing. We can help you if you have a deposit that you wish to put towards the value of your automobile, but we can't help you if you want car financing for the entire value of the vehicle.

Yes, but requesting a quote from Canada Prime Autos has no bearing on your credit score. When you request a quote, just a soft search of your credit file will be performed until you decide to proceed with the loan and contracts are prepared for you to sign. Your credit file will be subjected to a rigorous search, which will have an impact on your credit score.

When you apply for a car loan with another lender, they may conduct a comprehensive credit check, so make sure you check this before you start looking for a car finance provider. Multiple full credit searches in a short period of time may signal that you're having trouble getting approved for credit, which can hurt your credit score.

Your credit score is a three-digit number that is based on information in your credit report.

No matter what their credit score is or if they have no credit history at all, there is a lender out there for them.

Even if you have a “poor” credit score or no credit history, Canada Prime Autos can help you get car financing.

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