Bad credit car loans in Ontario — approved in 60 seconds.
Bad credit, no credit, bankruptcy, or consumer proposal? You're not alone — and you're not stuck. 98% of Finch applicants get approved.
- Local Ontario drivers approved daily
- Good credit, bad credit, no credit
- 200+ lender & dealer partners
Apply from Ontario in 60 seconds
No obligation. No credit impact.
Local financing
Car loans in Ontario, Canada
Get Approved Ontario specializes in helping Ontario drivers with challenging credit get behind the wheel. We don't believe a low credit score should keep you from a reliable vehicle. Our lender network includes second-chance and subprime specialists across Ontario who look at your full picture — income, employment, and budget — not just a number. From a first car after bankruptcy to rebuilding after a consumer proposal, we've helped thousands of Ontarians get approved and back on the road.
We help drivers across Ontario — including London, Windsor, Woodstock, Chatham, Sarnia, St. Thomas, Kitchener and Cambridge — get behind the wheel of a vehicle that fits their life and budget.
Ontario car loan FAQ
Can I really get a car loan with bad credit in Ontario?
Yes. 98% of Finch applicants are approved. We work with lenders across Ontario who specialize in bad credit, no credit, bankruptcy, and consumer proposal financing.
What credit score do I need?
There is no minimum score. Our lender network evaluates your full situation — income, employment, and budget — not just your score.
Will applying lower my credit score further?
No. Our pre-approval uses a soft inquiry — zero impact on your credit.
Can a car loan help rebuild my credit?
Yes. Making on-time payments on an auto loan is one of the fastest ways to rebuild your credit. Many Finch customers see meaningful score improvements within 12 months.
How long until I can drive?
Most approved applicants are behind the wheel within 24–48 hours, anywhere in Ontario.
Ready to drive in Ontario?
Join thousands of Southwestern Ontario drivers who got pre-approved with Finch.
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