Bad credit car loans: $7000 to $57,000 auto car loans and vehicle financing for people in Ontario Canada with bad credit, $0 Down, Bankruptcy Vehicle Inventory Info on Car Loans Ontario.


Frequently Asked Questions

Can I get a car loan if my credit is bad?

Yes you can get a car loan with bad credit, if your employment income and all other auto loan requirements are met.

Can I speak with someone over the phone or contact through text messaging?

Absolutely! Call us or text “auto loan” to 647-926-0046 and our main customer service agent will be available between 9am to 9pm Monday to Friday to answer your questions in regards to getting a car loan with bad credit or vehicle finance qualifications.

What or Who is Car Loans Ontario and what do we do?

Ontario Canada based Dealership Marketing company Irowa Inc. located in Greater Toronto working with Ontario only auto loan applicants and dealerships in the bad credit auto finance sector. We work closely with dealerships who specialize in approving people with bad credit, bankruptcy, no credit,  consumer proposal, no money down, good credit and all types of credit situations when banks and other lenders won’t.

Car Loans Ontario is not a lender or an auto dealership and our services are for people in Ontario Canada only looking for auto loan assistance to buy a new or used vehicle. We do this by reviewing each request and then sending it to the dealership we feel will be able to assist anyone that needs a car loan with bad credit or poor credit. You can read more auto loan questions.

Can I get a car loan while on ODSP or Ontario Works?

People on ODSP must have a qualified co-signer with the required working income to be considered for a car loan from the dealerships we work with. Auto loan applicants on Ontario Works are not able to get a car loan through our dealers as working income is required to even be considered. Persons must be able to prove income through pay stubs or bank statements.


What if I’m not ready to apply for a car loan and just need basic information?

This is the most common question we receive online and rest assured, by sending us an email through our website, you are not obligated to proceed with the auto loan application once you’ve spoken to a dealership serving your area. We recommend that you include as much information about your auto finance requirements through our contact form. A friendly staff at a dealer will then follow-up with you by phone o discuss your available options such as interest rates, available vehicle inventory and monthly payments, prior to moving forward.

Are you an actual dealership?

No. We are an online Internet Marketing company working with car dealers based in Brampton, Greater Toronto referring people with less than perfect credit that need to get approved for vehicle financing and looking to buy a car at a dealership in Ontario with a high auto loan approval rating.

Can I see the inventory before I apply for a car loan?

Once you’ve send us your complete contact information, a dealership will call or email you to discuss your needs and for you to view their inventory. You can read more about inventory here.

What is the difference between Car Loans Ontario and other bad credit auto loan websites online?

For starters, is a local Ontario based business that only deals with Franchise (new and used car) dealerships in Ontario Canada having at least a 98% approval rate with the high customer satisfaction and after-sales service standards.

This basically ensures your request will get accurately reviewed and pre-approved, as long as you meet their minimum requirements such as having a G2 driver license, Over 18 years of age, proof of income and make $1,800 gross plus per month. Our dealership partners combined have over 1000 new and used vehicles available in stock to choose from.

How fast can I get my vehicle loan approved?

Everyone is based on credit. Our partners work with the best network of Ontario Canada lenders, some of which are able to approve your auto loan that same day provided you have all the necessary paperwork and meet the requirements for financing; else you will typically receive your car loan approval within 48 hours depending how fast you can submit the required information.

What’s the Auto Loan Annual Percentage Rate (A.P.R)?

Your Annual Percentage Rate (APR) depends in your credit history, monthly income, employment and other factors, starting as low as 0% for new vehicle purchases with good credit and as low as 4.99% interest rate for used vehicles. If your credit is terrible with a history of bankruptcy, vehicle repossession or consumer proposal, interest rates could be as high as 29.9%. All depending on your own credit and vehicle selection.  So for an actual auto loan interest rate for bad credit, you could be looking at 8.99% to 29.9%.

Contact us online now to discuss your personal APR for an auto loan with good or bad credit.

Do you offer auto refinancing?

No. Our dealership partners do not currently offer refinancing options for existing auto loans.

What are the requirements for an auto loan?

Regardless of your current or past credit history, you are guaranteed a car loan if

  • You make at least $1,800  gross income per month. If less than $1,800 per month, then still apply as we have a special dealerships in Ontario with bad credit financing options for people making less than $1,800.
  • Employed 3 months or more with provable income
  • Ontario Canada resident
  • Not on Ontario Disability (ODSP). Must be working full time making at least $1,800 per month

Where in Canada are you located?

We are an online based business in Toronto, operating the Car Loans Ontario website out of offices in Toronto, Brampton, Etobicoke and Mississauga Ontario. However, our selected car dealerships in Ontario Canada services the entire province with over 30 dealership locations.

 Do you have examples of happy customers of yours?

Yes. After each vehicle financing discussion or sale, customers are asked by the dealers to provide feedback on the financing team’s level of service. You canto read our auto loan testimonials and car loan success stories.

What provinces do you operate in?

Car Loans Ontario has available lending partners and dealership for bad credit in the province of Ontario only. Areas such as Toronto, Ottawa, Pickering, Kingston Ontario, Brampton, Barrie, Kingston Ontario and other areas. All lenders for bad credit car loans should adhere to all applicable province and federal regulations in terms of disclosures, maximum vehicle interest rates, maximum annual percentage rates and all other pertinent items as it relates to your car loan application & agreement.

What hours are you open?

As we are an online service, we accept auto loan requests 24 hours a day, 7 days a week, 365 days a year. The Ontario Canada auto lenders and dealership partners for bad credit auto financing that we work with are typically open during regular business hours 9am – 6pm Monday to Friday, and do actual credit verification during that time period. If you have not received a response from our referred car loan company within 2 hours, please return to and resubmit your application so we can refer you to a different auto loan lender for approved vehicle financing.

How do I start my online auto loan request?

To begin the auto loan information request process, click here now to send us an email.

Bad Credit Car Loans Auto Financing

For car loans, please complete the form below or text “auto loan” to 647-926-0046 from your mobile phone.

The best car loan dealers and auto finance approval agents are ready help you with the vehicle you want and the auto credit you deserve regardless of having bad credit, poor credit or bankruptcy, All vehicle financing services provided here are 100% free and no obligation to you. If you’re not completely satisfied with the services provided by one of our dealers, please contact us at 647-926-0046 and share your experience with us.

Calculate your Ontario Canada bad credit or good credit auto loan payments and get interest rates over phone with your assigned car dealer after you apply. Monday July 2, 2018 in Ontario Canada for auto loans with bad credit or bankruptcy issues. Get ore-approved for auto financing regardless of your credit once you qualify for your auto loan based on working income, employment, vehicle selection and other requirements from bad credit auto lenders. An Ontario Canada based internet company. Apply online today and get the financing you need and deserve. Learn how to get a car loan, where to get financing and why you should be approved for new or used car loan regardless of credit in Ontario Canada. Financing for used cars in Toronto, Brampton, Mississauga, Etobicoke, Ontario Newmarket, Burlington Ontario, Hamilton, Kitchener, Oshawa, Pickering Ontario, Caledon, Barrie and other areas of Ontario. When you need to buy a car with bad credit, trust the dealers working with Car Loans Ontario to help you get approved fast and easy for the best auto financing regardless of credit such as bad, good, poor, consumer proposal or no credit. Our bad credit car loan mailing address is 76 Cassander Crescent, Brampton ON L6Z 1Z2 for auto loan related mail.

Bad Credit Car Loans for New & Used Vehicles in Ontario Canada

Bad credit car loans in Ontario and it’ s Saturday March 5, 2018 at 12:58pm and the best time for people to get an easy car loan in Ontario Canada with bad credit, good credit, bankruptcy, consumer proposal, no money down. Working with Ontario Canada’s best auto loan companies and dealerships helping people get the car loan they need and deserve. Apply online for free or call/text “auto loan” 647-926-0046 to learn more about your car loan options. We work with the best bad credit car dealers in Greater Toronto, Mississauga, Brampton and Ontario with access to a wide variety of quality used vehicles for sale by Dodge, Chrysler, Chevrolet, Honda, Buick, Ford, KIA, Hyundai and more. Auto loans with bad credit scores under 550, 500, 450 history for cars, minivans, suvs and trucks from some of Ontario’s top new and used car dealers for financing.

Used Car Loans for Bad and Good Credit

Through Auto Finance Ontario, online applicants looking for used car loans can get approved within 24 hours as long as they meet the lenders minimum auto loan requirements. In order to get a new or used car loan, one must be an Ontario Canada resident over the age of 18 working full-time with provable income at least $1,800 per month before taxes. If you are currently in Ontario Canada not working and need auto financing or are working and get paid only cash, then our auto dealers and vehicle financing partners will not be able to get you approved for vehicle financing without a qualified co-signer. People looking to buy cars while on ODSP, Ontario Works, Self-employed without bank statements to prove income will not be able to get a bad credit car loan through our Ontario Canada auto dealer partners unless they include a qualified co-signer with the credit score and provable working income required to get approved for an auto loan. Most Dealers work with people in Ontario Canada with bad credit, poor credit, no credit, consumer proposal, bankruptcy and terrible credit get car loans. Car Loans Ontario in Canada general mailing address 76 Cassander Crescent, Brampton Ontario L6Z 1Z2 with local phone 647-926-0046.

When you need a car loan but your credit is bad, let us connect you with the best bad credit car dealers in Ontario Canada. They know the how, where, why and when about auto loans and bad credit vehicle financing for people in Toronto, Brampton, Mississauga and Ontario.

Apply for an easy no money down car loan here online today to get your free auto loan approval and auto finance quote! Monday March 5, 2018 car loans in Ontario Canada for people with good or bad credit that need to buy a vehicle.

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