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Get Approved for a Car Loan in Ontario — Even with Bad Credit
Bad Credit Car Loans – Subprime Auto Financing – In-House Leasing
At Legacy Auto Credit, we make car financing simple, fast, and stress-free — no matter your credit history. We proudly serve customers across Ontario who need reliable used vehicles and flexible financing solutions, including:
If traditional lenders have turned you away, we’re here to help you move forward with confidence.
Need a Car Before Starting a Consumer Proposal or Bankruptcy? We Can Help.
If your current vehicle payment is too high or your loan has too much negative equity, it may be impossible to maintain during a proposal or bankruptcy.
Many clients come to us because they:
With Legacy Auto Credit’s In-House Leasing Program, you can secure your vehicle before filing a Consumer Proposal or Bankruptcy.
Unlike traditional subprime lenders, we provide pre-approval in advance—so you never have to worry about whether you’ll have reliable transportation during or after your insolvency. Enjoy peace of mind knowing your vehicle is guaranteed, and focus on your financial fresh start with confidence.
Ontario’s Subprime Auto Finance Experts
Most banks decline applications because of strict credit requirements, debt ratios, or income limitations. At Legacy Auto Credit, our team works differently.
We provide customized financing solutions, including:
We take time to understand your situation and build a plan that gets you approved — quickly and respectfully.
Why Ontarians Choose Legacy Auto Credit
We’ve helped thousands of Ontario drivers rebuild their credit and get back on the road with reliable transportation.
Start Your Easy Approval Today
Don’t let past credit challenges decide your future. You deserve a safe vehicle and a fresh start.
Apply now to get pre-approved — with no obligation. Our team will guide you through every step and help you choose the best financing or leasing program for your budget.
Authorized Representatives of
And Many More
Legacy Auto Credit helps people who are struggling to get approved for a car loan because of past financial challenges. If you’re being declined, it usually comes down to two main issues — not enough income or too much debt.
Our Credit Helpers Program is designed to solve exactly that. We provide practical debt solutions and powerful credit rebuilding tools that reduce your overall debt, improve your financial stability, and increase your ability to get approved for a vehicle. With the right plan and the right support, we help you move forward confidently and get back on the road in a reliable car.
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.