Bad Credit?
Don't Stress.
You're Approved.*
A low credit score doesn't mean you're stuck. Car Guy Dealer works with lenders that say YES when others say no. Get approved in minutes — even with bad credit, bankruptcy, or consumer proposal — and drive away in your next vehicle.
No impact to your credit score to get started!
Life doesn't always go as planned
Your score shows what happened. It doesn't show who you are today — or whether you can make a car payment.
The whole picture, not just a score
We work with lenders across Ontario who specialize in bad credit auto financing — not predatory lenders. A score is a snapshot, not a life sentence.
Which one sounds like you?
Rates from 7.99% OAC. Pick your situation to see what to expect.
Poor credit or missed payments
- Specialty lenders look at your income and stability, not just the score.
- A down payment or a trade-in often lowers the rate.
Example: $20,000 over 72 months at 7.99% OAC ≈ $351/month, before taxes and fees. Your rate, term and payment depend on your credit, the vehicle and the lender.
Reviewed by Alex Rivera, Owner · Car Guy Dealer · Updated October 13, 2026
Approved now. Better rate later.
Even with bad credit, bankruptcy or a consumer proposal.
On-time car payments are one of the best ways to rebuild your credit score.
Many of our loyal customers came back two years later — with a better score and a better rate.
Before taxes and fees. Your rate, term and payment depend on your credit, the vehicle and the lender.
“I've helped buyers with credit scores in the 400s get approved and drive away in a reliable vehicle. It's not always easy and I'll always tell you the truth about your options — but we won't give up on finding a path until we've exhausted every one.”
Read more: Bad Credit Car Loans+
Bad credit happens. Medical bills, job loss, a relationship ending, or just a string of bad luck — life doesn't always go as planned, and your credit score reflects that. What it doesn't reflect is who you are today or your ability to make a car payment.
Car Guy Dealer team works with lenders across Ontario who specialize in bad credit auto financing. These are not predatory lenders — they're institutions that understand that a credit score is a snapshot, not a life sentence. Our job is to find you the best rate available for your situation.
When we evaluate your situation, we look at the full picture: your income, your down payment, your employment stability, and what vehicle you're looking to finance. We give you straight advice on what's realistic and what you can do to improve your position.
Many of our most loyal customers came to us with bad credit, got approved, made their payments, and came back two years later to upgrade — with a much better credit score and a better rate. We play the long game. We'd rather help you get a good deal now and a great deal later than get you into something that hurts you.
What credit score do I need to get a car loan in Ontario?+
Will a bad credit car loan hurt my credit further?+
How much down payment do I need with bad credit?+
Can I get approved after a bankruptcy or consumer proposal?+
How long does the bad credit approval process take?+
Will applying affect my credit score?+
Do you only help bad credit buyers in London?+
What documents do I need to apply with bad credit?+
Can I get a car with bad credit and no co-signer?+
What kind of interest rate can I expect with bad credit?+
Related Financing Situations
Your situation doesn't fit a box. Browse the specific paths we work with.
STILL NEED HELP?
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Our team is ready to answer any questions you have about buying your next vehicle.