Getting a Car Loan When You Have Bad Credit

GUARANTEED APPROVAL! We will organize financing for you regardless of past credit issues.


Step #1 – Online Application Form

Step #2 – Matching You with a Lender

Step #3 – Finding the Vehicle for you

Step #1 – Fill Out the Application Online
When you are ready to complete your car loan application, we are here to help you. Filling out the loan application does not have to be a difficult or intimidating process, even for drivers with bad credit.

We make it easy to complete this application form online – providing basic information on your income, your employment status, your address and so on. Working with us is so easy you do not even have to provide us with your Social Insurance Number (SIN). You simply provide some basic financial information like how much you make and where you live.

This information will help us ensure the vehicle you have chosen will be affordable for you and your family.
We may need to contact you for additional information as the loan application process moves forward. We will always identify ourselves and provide specific details on what we need to complete your car loan application. Once we have everything we need to move forward, we will be better able to match you with the perfect vehicle. By this point, we will have all the information we need to connect you with a local lender.

Step #2 – Matching You with a Lender
Now that the application process has been completed, we are ready to match you with a local certified lender partner. Our exclusive network of certified lenders understand the needs of drivers with bad credit, and they are able to help those drivers get the vehicles they need at a price they can afford. Buying a car, vehicle and auto is a major commitment, and we will help you make sure you are ready for it.

The lenders in our network are experts at matching drivers with the perfect car loans – even drivers whose credit is less than perfect. The lenders we match you with will sit down with you and carefully review your finances to determine exactly how much you can afford, and they will design a monthly payment that can work with your budget and help you rebuild your damaged credit.

When you work with us to get the bad credit car loan you need, we first ask you to choose the type of vehicle that best fits your needs. Whether you need a pickup truck to haul your gear or pull your boat, an economy car for getting back and forth to work or a sport utility vehicle to drive the kids around, we can help you find the right set of wheels. We have a vast inventory of vehicles to choose from, and we are experts at matching drivers with the right car, truck or SUV.

Working with us has other benefits as well. In addition to our extensive vehicle inventory, we also have access to a vast network of lender partners. These lender partners understand the needs of drivers with bad credit, and they work hard to put you in the vehicle you have chosen. No matter what kind of vehicle you want and need, chances are we can help you find and finance it.

Keep in mind that you will not be locked into purchasing the vehicle you have in mind. You are under no obligation to purchase the vehicle we find for you. The information you provide is simply designed to help us connect you with a lender partner who understands the needs of drivers with bad credit or no credit.

Choosing the  also allows us to help you in another way. When you give us the specifications in the vehicle you are looking for, we can in turn provide you with a better understanding of how much you can afford to pay. We look at your entire financial situation – not just your credit profile. We evaluate your current income and expenses, and we use that information to determine how much you can afford in monthly payments. We in turn use that information to match you up with the perfect vehicle for your needs and budget.

Step #3 – Finding the Vehicle for you
The final step in the process is matching you with the perfect vehicle, based on the results of your loan application and a careful evaluation of your finances. Working with us means having a partner in your corner every step of the way – from the completion of the initial online loan application, through the selection of the right lender and finally choosing the right vehicle for you.

Working with us also means you have access to a vast selection of vehicles, so we are bound to have the perfect one for you. Once we have found you the perfect vehicle, we will work with you and our lender partner to get you the right financing and put you behind the wheel.

We know that having bad credit is no fun. We also know that having a damaged credit profile is not the end of the world. We believe in second chances, and we have spent years building up a network of certified lenders who can give you that second chance.

Whether you have no credit profile at all or a damaged credit rating, we can match you up with the vehicle you want and need. Our vast network of lender partners believes in second chances. From selecting the perfect vehicle for your needs to completing the loan application to finding the best local lender, we guide you through every step of the process.

Do not let a bad credit rating or no credit rating at all stop you from getting the car, truck or SUV you need. No matter what your credit status, we can work with you to get you the car loan you need. In no time at all, you will be sitting behind the wheel and driving happily in your new vehicle.

Maintaining good credit is important to every aspect of your financial life. Whether you are trying to buy your first home, get a car, vehicle and auto loan or take out a personal loan, the state of your credit will play a major role in the decision.

In a perfect world, every consumer would be able to build a solid credit profile and maintain that stellar credit for a lifetime. In the real world, however, things get in the way. Not everyone can maintain a great credit rating, and building a credit rating can take a lot of time and effort.

That means there are plenty of drivers out there whose credit is less than perfect. Those drivers still need to buy reliable vehicles, but when they apply for a loan they may find that they are repeatedly turned down.

It does not have to be that way, however. With the right planning and preparation, you can successfully negotiate a car loan even if you have bad credit, no credit or a damaged credit rating. Whether that low credit score is the result of a past bankruptcy filing, a misunderstanding with your creditors or legitimate late payments, you do not have to let those dings to your credit rating keep you out of the car you need.


We will organize financing for you regardless of past credit issues.

Apply For a Loan Today

We understand the needs of drivers with bad credit. Start the process today!

Getting a car loan when you have bad credit can be a scary and intimidating process – but it does not have to be that way. We understand the needs of drivers with bad credit, and we specialize in getting those drivers the loans they need.   We are committed to offering Canadian drivers a chance to build their credit, repair their damaged credit or get the fresh start they want and need. Our straightforward approach and our large network of lender partners takes the fear out of the application process, and our vast experience can help you succeed.   Our vehicle selection, application process and lender match program is designed to be straightforward, easy to understand and as simple and painless as possible. So why wait – start the process today. Just tell us a little bit about yourself, your income and the type of vehicle you need. We will take it from there.   Our simple online loan application takes only a few minutes to complete, so why put it off any longer? We do not even need your SIN, so get started today.

Interest rate, down payment, and loan repayment terms will vary based on the vehicle selected and the credit worthiness of the applicant. You authorize Vehicle Credit Approvals, Financial and participating auto dealer to retain this application, to rely on the foregoing, to check and verify my credit, employment and salary history. Final approval is subject to verification of employment, income, tenancy, and insurance by a participating lender. Verifications must satisfactorily support the information participating lender received and upon which relied in reaching their decision to pre-approve the buyer. If the information verified is different than originally received, lender may alter or reject the pre-approval. Vehicle Credit Approvals is not a lender and does not make loans or credit decisions in connection with our loan matching service, we are a car financing company that shops on behalf of buyers for best rates possible depending on their credit situation.

Have a question?

We would be happy to assist you.