We have solutions for your problems
Unlock Your Dream Ride with Legacy Auto Credit!
Are you searching for a trustworthy used car dealer that specializes in bad credit car loans in Guelph, Kitchener, and nearby regions? Look no further than Legacy Auto Credit!
At our dealership, we believe that everyone deserves the chance to drive a quality vehicle, regardless of their credit history. We provide a variety of Used Car Financing options, including loans and In-House Leasing for those with no credit or bad credit.
Whether you’re new to Canada or facing challenges due to past financial difficulties, our dedicated team is here to assist you in finding the perfect vehicle that fits your needs.
Often, auto loan rejections stem from insufficient income or overwhelming debt. At Legacy Auto Credit, our finance experts specialize in crafting tailored solutions for individuals seeking vehicle financing—even those with less-than-perfect credit.
Join our community of satisfied customers who have successfully secured financing through our diverse programs. Don’t let credit challenges hold you back—reach out to us today and embark on your journey towards owning a vehicle you love!
Authorized Representatives of
Legacy Auto Credit works with people who have experienced financial difficulties in the past which is now limiting them from being approved for a vehicle loan. If you are being declined it is usually due to one of two things. Not enough income or too much debt.
Our Credit Helpers program provides debt solutions and credit rebuilding tools which helps reduce your debt and improves your ability to be approved for a vehicle
What Makes Us Different
We have more flexibility to provide approvals because we offer in-house financing. That makes us different.
Now you can get our low rate in house financing anywhere in Ontario without having to leave your home.
We're know you'll love your new purchase, if not, bring it back and we'll help you exchange it*. (*Some exceptions apply)
Resource for Free consultation with a certified counselor who will provide debt solutions, budgeting and credit rebuilding guides and tips.
Step 1
Apply Online
Step 2
Approval
Step 3
Drive Away or Have It Delivered
With our super simple process you can digitally* sign your documents and pick up your vehicle or have it delivered.
Yes, if you make your payments on time. Legacy Auto Credit reports your payment history to Equifax monthly. Over time with on time payments your score will increase.
We see many people that have been previously turned down due to several reasons which have included, poor payment history, not enough time on the job, too much debt and non-garnishable income. With our In-House program we look at your income, expenses and debts that would be causing the turn downs and provide you with solutions to get you driving and rebuilding your credit.
Our Blog
How To Get A Bad Credit Car Loan in Ontario
For most Ontarians like yourself, having a reliable car is a necessity. You need to be able to get to work, pick up groceries, and visit family and friends. If you have children, you need to get them to school and their extracurricular activities. The question
Do I Have A Bad Credit Score? [And How Does It Affect My Life?]
Our financial advisors are frequently asked by clients, “Do I have bad credit?” It’s a fair question. Even for those who do know what their credit score is, it might not be obvious if their score is good or bad. It’s important to understand
Can You Get a Loan With a Credit Score of 580?
If you have a 580 credit score you may be wondering if it’s possible to get a loan. Learn whether you can get a loan with a credit score of 580 and how to do it. IN THIS POST, WE COVER: Can you
We're here to help
Our job is to help people with bad credit get auto loans at a price point and with rates they can afford. No matter your situation, it’s worth reaching out and speaking to one of our credit specialists.
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