Bad Credit Programs
Bad Credit? You Still Have Options.
Specialized vehicle financing programs for Ontario drivers with less-than-perfect credit.
What Counts as Bad Credit?
In Canada, credit scores range from 300 to 900. Generally, scores below 600 are considered subprime. Late payments, collections, high credit utilization, and past defaults can all impact your score. The good news: many lenders specialize in helping subprime borrowers rebuild while getting the transportation they need.
How We Help
Subprime Lenders
Partners who regularly approve scores in the 500-600 range.
Credit Rebuilding
On-time auto payments can improve your score over time.
Flexible Terms
Longer terms available to keep monthly payments manageable.
Trade-In Credit
Use your current vehicle equity to strengthen your application.
Do Not Let Your Credit Score Hold You Back
Apply today — approval is not guaranteed, but options may be available.
Get Started