No matter what's on your credit report, we have a solution for you.
If you have slow or really bad credit, you have the same chances of getting a loan as a car buyer with a higher score.
We focus on your current situation and ability to make payments—not your past mistakes.
We're not like traditional dealerships—we specialize in making the impossible possible.
Everyone gets approved, regardless of credit score. We specialize in bad credit situations that traditional banks decline.
Get approved in 1-3 hours, not days or weeks. Start driving your vehicle the same day.
On-time payments are reported to credit bureaus, helping you improve your credit score over time.
Access to specialty lenders who understand bad credit and offer fair terms designed for your situation.
Getting approved is easier than you think. Here's what we need:
Driver's license or government-issued identification
Recent pay stubs, bank statements, or tax returns (minimum $2,000/month gross income)
Utility bill, lease agreement, or mortgage statement
Small down payment helps (but not always required)
A trade-in vehicle can reduce your down payment
Proof of auto insurance or ability to obtain coverage
Don't have everything on this list? Apply anyway! We work with your unique situation to find a solution. Many customers get approved without meeting every requirement.
Our simple 3-step process gets you approved and driving fast.
Complete our quick 3-minute pre-approval form. It's 100% free and won't affect your credit score.
We'll contact you within 1-3 hours with your approval and financing options from our lender network.
Browse our quality inventory and drive away in your vehicle the same day—it's that simple!
Get answers to common questions about financing with bad credit.
Yes! At Canada Auto Approval, we approve customers with credit scores as low as 400-500. Your credit score is just one factor—we also consider your income, employment stability, and down payment.
Down payments vary based on your situation. Some customers qualify with $0 down, while others may need $500-2,000. The more you can put down, the lower your monthly payment will be.
We specialize in helping people who've experienced bankruptcy, repossession, or other major credit events. These situations don't disqualify you—we have lenders specifically for these cases.
Bad credit loans typically have higher interest rates than prime loans. However, our network of 25+ lenders compete for your business, ensuring you get the best rate available for your situation.
Having steady employment, a small down payment, and proof of residence all improve your approval odds. Even if you don't meet all criteria, apply anyway—we find solutions for almost everyone.
When you get approved for a used vehicle loan, you don't have to end up with a cheap used car that is not safe and reliable. We have a great inventory of affordable domestic and imported pre-owned sedans, trucks and SUVs to choose from so you'll feel good about what you drive off the lot.
And if you need a second chance for auto financing, we get you approved through our network of auto loan lenders. It does not matter if you have a small down payment or no down payment—our specialists will work with you to buy the car you need.
Don't let bad credit hold you back any longer. Join thousands of Canadians who've successfully financed their vehicles through Canada Auto Approval. Get started today—it's fast, free, and guaranteed.
Interest rates starting at 6.46% OAC • Minimum gross monthly income: $2,000
Concerned about credit checks? Learn about our No Credit Check financing options that protect your credit score.