Bad Credit Auto Finance

Ready for a new car?

Get the car you want - regardless of your credit history.

No Credit Car Loan

Thanks to AutoFinance.ca, I got a car loan with bad credit. I'm now rebuilding my credit score and driving an awesome car! Thank you!

Very Professional Service. I was contacted the next day and got my truck the day after that. Now I feel great about showing up to my job sites.

I've been looking at getting a new car and I'm glad I chose AutoFinance.ca because the customer service has been fantastic. Great job guys

How it works

We've simplified car loans for bad credit & easy auto financing.

Apply Online

Simply apply online by completing the easy application form. It takes just 2 minutes and you're done.

Choose the best deal

After completing your online application you'll be contacted by an auto financing specialist. They will go over the details of your application and give you some options for your new vehicle.

Drive away in your new car

After agreeing to the best deal, you can pick up your vehicle or maybe even have it delivered right to your door!

Want to calculate your payments first? Use our Car loan
Calculator to see what your Auto Finance payment might be!

About Us

With a combined 45 years in the Auto Finance business we've carefully selected the best car dealerships and lenders to partner with. We deal with Bad Credit Car Loans, No Credit Car Loans, and yes Good Credit Auto Loans! We've made it easy for you to get a new car, no matter what your credit history is

We've set up many recourses for you to browse on this site so feel free to read all about the auto financing options and details in our resource section.

We've also added a Car Loan Calculator that is easy to use and will give you a quick idea on what your payment might be. Auto Loan Interest Rates, Car Payment Calculator, and Auto Loan term length is all included.

If you're looking for used cars or new cars, our team at AutoFinance.ca is recognized as the most trusted source for Auto Loan Financing in Canada.

Bad Credit or No Credit? Approval Rate Guaranteed 98%! Start your application now.

Auto Finance offers you the Best Bad Credit Car Loans in Canada when using our Car Loan Calculator. Get Yours Today - Regardless of your credit score!

Auto Finance

Finding reliable auto financing can be a challenge. Picking the right bank, dealership or interest rate could take months to decide on. That’s why we’ve simplified the process for bad credit car loans.

We work in all provinces in Canada and have relationships with hundreds of lenders and dealerships. So when you decide to apply for a car loan online, AutoFinance.ca should be your first stop.

Auto Finance in Canada has changed a lot over the years. Many new programs have emerged for people with bad credit and new credit. Some of the interest rates can seem high, but if you want to start driving that might be the only option.

Terms can vary depending on your province. For example, auto financing in BC offers different programs then Alberta auto finance. And getting a car in Manitoba is different than applying for an auto loan in Ontario.

That’s why thousands of people apply online at AutoFinance.ca so they can be sure they are getting the best rate and choice for their new car or truck.

Sometimes though, it’s just a matter of convenience. Why spend 18 hours driving around all day to different banks and dealerships when you can just take 2 minutes and apply online.

In fact, 95% of the whole car buying process can be completed with just a smart phone!

Easy Auto Loan
Auto Credit To All

Car Loans Canada

Car loans in Canada are very competitive, and now dealerships are fighting for your business! Now you have more choice on the type of vehicle you want and the payments you’d like. Depending on your credit history, you can even get approved with no money down and 0% interest. But you don’t want to shop around too much. Finding the right car dealership and lender is really the key to getting a great car loan in Canada.

You want to build a relationship with a company you can trust, and have a long-term relationship with. That way when it’s time to trade in your car for an upgrade, you’ll have someone on your side that will work hard to get you approved for your new vehicle.

Used car loans in Canada can be much different and sometimes even harder to get approved for then a new car! This is because if the dealership has to repo the vehicle then it still holds value for resell.

That’s how the banks look at car loans. In Canada we have unique lending processes and getting approved might be easier then you think. If you are currently employed and have a monthly income over $1,800 there is a VERY good chance of getting approved for a vehicle.

New and used car loans with the right terms and payments you can afford are the key. Make sure the terms are favorable to you because making on time payments for your car loan is critical. Why? Because that has a big impact on your credit score and your ability to upgrade when you are ready.

Car loans Canada is defiantly a big topic. So if you want to learn more, then visit our many resource pages to read about the automotive industry and financing your next vehicle.

Car Loan Calculator

The best place to start for a car loan calculator is right here at AutoFinance.ca Although you should always check with your local bank about exact rates we put together some information and a car loan calculator to help you look at some options.

First decide what your monthly budget is for a vehicle. Next, select the amount of money you want to put down (if any). Finally calculate the interest rate and length of time, and you’ll see a ball park figure of what everything looks like.

If it feels good, then continue on with our easy application online. When calculating payments for car loans online, always remember to read the actual agreement that is presented at closing. Make sure that the terms are the ones you agreed to.

Consumer auto loan calculation is an important part in your research when buying a new vehicle. But it’s also important to look at long term financial goals. For example, if you have bad credit then taking a loan at a higher interest rate might be ok because you’re re-establishing a good payment history. Then you can re-finance at a lower rate down the road.

So take a minute now and use our car loan calculator, then decide what feels right for your personal situation. After you’ve made up your mind then you can complete our auto finance application online.

Bad Credit Auto Loan
get your car loan

Bad Credit Car Loan

Car loans in Canada are very competitive, and now dealerships are fighting for your Getting a bad credit car loan is now easier then ever. The requirements are pretty easy but make sure you can afford the monthly payments because you’ll want to establish a good payment history.

Your car loan interest rate will be higher because the bank will view you as a risk. But once you have made your bad credit car loan payments for a period of time, you can re-finance and even up-grade your vehicle.

Applying for an auto loan with bad credit takes less then 2 minutes on our website. And we then find the best dealership and lender for you to partner with. Once you’re contacted by our dealership partner you can look at their inventory and pick the vehicle that is right for you.

The approval process can be easy and there are thousands of Canadians that apply for a bad credit car loan every day. Take some time now to read some of our resources and make the decision that is right for you.

Bad credit car loans are also sometimes referred to as sub-prime loans or sub-prime car credit. This simply means that the interest rate is much higher than the prime rate. The rate is based on perceived risk. That’s why your credit score is so important.

Here at AutoFinance.ca we pride ourselves on being the most trusted resource online for buying cars with bad credit and also if you have good credit. It’s now more of a convenience thing, getting approved for an auto loan on your phone saves time and money.