Vehicle Financing Application

Apply for vehicle financing today

In need of a vehicle but have a less-than-ideal credit score? Apply for vehicle financing today. At Legacy Auto Credit, we understand the challenges that come with getting approved for a car loan, and we’re here to help you secure a loan and rebuild your credit score. 

Why choose us?

At Legacy Auto Credit, we go beyond merely securing your vehicle finance; we offer a large inventory of used cars, SUVs, and trucks for sale. Our team of Credit Helpers have extensive expertise in handling various credit situations, including bankruptcies, consumer proposals, and budgeting concerns. They are not just professionals; they are empathetic financial advisors dedicated to assisting you.

Get Pre-Approved For A Car Loan Quickly

Fill out the form below and we will be in touch.

    Our Commitment

    We are committed to providing not just financing solutions but also a pathway toward financial recovery. We believe in enabling our customers to rebuild their credit while acquiring the vehicle they need. 

    Locations we deliver to

    With offices in Walkerton, we offer delivery services to customers across Ontario.

    Vehicle Financing FAQs

    Yes, it’s possible to obtain a car loan with a bad credit score. However, it might come with higher interest rates and stricter terms compared to loans for individuals with good credit.

    Once you’ve submitted your application, pre-approval can take a few seconds or a few days, depending on the circumstances.

    Applying for multiple loans over a few months can negatively impact your credit score. However, multiple loan inquiries within a specific period (typically 14-45 days) for the same purpose (auto financing) typically counts as a single inquiry, minimizing the impact. A pre-approval usually involves a hard credit check and lowers your credit score briefly, but it allows you to lock in a rate with a lender before signing any paperwork so you can shop around for a better deal.

    Your credit may improve over time as your payment history is reported to the Canadian credit bureaus. However, since everyone’s credit scores react differently, you cannot predict when they will improve or how they will improve.  There are a number of factors that go into your credit score.   Obtaining an auto loan and making payments on time is the first step to rebuilding your credit. 

    Get Started Today!

    Fill out our online application form to begin rebuilding your credit today!