What Is A Bad Credit Car Loan?

A bad credit car loan is a financing option designed for individuals with poor credit scores, allowing them to purchase a vehicle even if they have a less-than-ideal credit history.

What is the required credit score to get a car loan in Canada?

The specific credit score requirements can vary among lenders, but generally, a credit score of 650 or higher is often preferred to secure a car loan in Canada.

How To Apply For A Car Loan With Bad Credit in Canada?

To apply for a car loan with bad credit in Canada, you can start by researching lenders like The Auto Providers that specialize in bad credit financing, gathering necessary documents, and completing their application process, which often includes income verification.

What Documents Are Required To Get A Bad Credit Car Loan in Canada?

Typically, you'll need to provide proof of identity, income, and residence. This may include your driver's license, pay stubs or tax returns, and utility bills in your name.

Select body style

The Easiest Way to Get a Car in Canada

The Easiest Way to Get a Car in Canada

Select body style

Largest dealer network

With thousands of vehicles to choose from and the largest dealer network in Canada, we can help you find your perfect car today.

$0 down options

Free delivery anywhere in Canada

No obligations

100% free service

60-second application

Bad credit program

Everyone deserves a car! That's why we've created Canada's first bad credit program, specifically designed to help Canadians get approved regardless of their credit history.

All credit accepted Same day approvals
No SIN required

GET APPROVED

The Easiest Way to Get a Car in Canada

Buying a car with bad credit should not be much difficult process, especially in Canada where everything is much easier. But with so many processes comprised of tedious paperwork, hidden fees, and small print, it can get confusing and stressful, to say the least. Especially if you've never had to do it before!

Our goal when we started The Auto Providers was for you to be able to find your dream car online even with bad credit, compare car deals and save time and money - all in less than 60 seconds. The Auto Providers also comes under the top auto loan calculator in Canada. In order to do that, we provide one online platform for clients to compare various auto loans, insurance quotes, lease options, and the best deals from different Canadian dealer networks without the need of going through lengthy applications!

The Auto Providers

Canada's top provider of auto loans, auto loans for bad credit, and car financing for new and used cars. The Auto Providers is a Canada-based company that gives you an easy way to get a car loan, compare auto loans, find the best car lease deals, and get more information about your location and the various auto dealer networks. We're here to help you find the right auto loan program and get the best deal on any vehicle whether it's new or used.

THE BIGGEST CAR DEALER NETWORK

With the largest dealer network in Canada and thousands of automobiles to select from, The Auto Providers can assist you in finding your ideal car right now.

Zero-down options

Free shipping across all of Canada

No commitments

Free service in full

A simple 60-second application

For more than 10 years, we've assisted many Canadians with all kinds of credit issues in finding a car loan that meets their requirements. We can assist you whether you have bad credit, no credit, or are filing for bankruptcy.

Our bad credit program was created to assist you in repairing your credit, obtaining an affordable auto loan, and, most importantly, getting behind the wheel of a car that meets your needs.

Any make, any model

FAQ'S

Ans- To be eligible for a car loan with reasonable interest rates, you'll typically need a credit score of at least 650. If you're ready to pay higher rates, you can qualify with a bad credit score. If your credit score is below 500, you'll probably need help getting approved for any loan.

Ans- The easiest way to buy a car with bad credit is The Auto Providers. With a simple 60 seconds step of filling out a form, you can buy the car of your dream from the various options available along with an Auto finance Calculator to manage your finances well.

Ans- Yes, even if you have bad credit or short credit history, you can still get a car loan. We represent debtors who lack credit or who have even declared bankruptcy. This helps you achieve your aim of obtaining an auto loan despite the fact that you should expect higher rates and stricter loan conditions, such as borrowing caps.

Ans- YES! Buying a car with the right dealer in Canada who will assist you in every aspect and most importantly if you pay your installments on time, Your credit score will definitely increase.

Ans- You can obtain a bad credit car loan in Canada from various sources, including traditional banks, credit unions, and specialized lenders like The Auto Providers that focus on assisting individuals with poor credit histories.

Ans- Interest rates for bad credit car loans in Canada can vary significantly based on your credit score, the lender, and the current market conditions. Generally, they tend to be higher than rates for borrowers with good credit.

Ans- There are no guaranteed bad credit car loans in Canada. Lenders will still assess your creditworthiness, but The Auto Providers is specialized in working with individuals who have poor credit histories.

Ans- Making timely payments on a bad credit car loan can have a positive impact on your credit score over time. However, it won't instantly increase your score; it's a gradual process."

Ans- Whether a bad credit car loan is right for you depends on your individual financial situation and needs. It can be a solution if you need a vehicle and are committed to improving your credit score through responsible payments."

Ans- Many lenders may require a down payment for a car loan, especially if you have bad credit. The amount can vary but is often a percentage of the vehicle's purchase price."

Ans-The easiest way to buy a car with bad credit is The Auto Providers. With a simple 60 seconds step of filling out a form, you can buy the car of your dream from the various options available along with an Auto finance Calculator to manage your finances well."

Ans-The types of cars you can finance with our Bad Credit Program can vary, but generally, it includes a wide range of new and used vehicles. The specific options will depend on your creditworthiness and the lender's policies."

Here's what people have to say

Mary F

Peterborough, ON

I had a great experience with the Auto Providers. I came across their website looking for a new SUV, minutes after applying Stacey gave me a call and walked me through the process. Two days after I picked up a new RAV 4. If you don’t want to be hassled by dealerships, I would recommend the auto providers.

George S

Winnipeg, MB

I have been self employed as a contractor for nearly 20 years. I had difficulties getting a car loan through the dealerships. The Auto Providers offered me different options with competitive rates for self-employed business owners like myself. I am very happy with their service and the Ford F-150 they were able to get me.

John M

Red Deer, AB

Did an outstanding job helping us buy a car at a good rate. I can’t say enough about the service we received from the Auto Providers team. Would highly recommend.

Sukhpreet P

Toronto, ON

Would just like to thank the Auto Providers team for their hard work and professionalism. You helped make mine and my family’s life a lot easier with your quick turnaround time. I would recommend you to all international students looking for a car, your service has been nothing short of excellent.

Richard W

Surrey, BC

The agent helping me was outstanding. It makes a difference when working with people particularly efficient and helpful. I will certainly deal with the Auto Providers again in the future and will recommend them to others. Many thanks.

Makayla B

Scarborough, ON

We were on a tight time line to get a car with our growing family. The Auto Providers got us the Pacifica we wanted at a great rate. My boyfriend and I have been very happy with the service during the application process!

Lisa A

Halifax, NS

We have very poor credits from previous history and banks turned us down. One of our friends recommended the Auto Providers and we were surprised that they dealt with bad credits. After giving them a call, they approved us right away. We highly recommend them for any car loan needs.

Get your car today

Your online application takes only 60 seconds to complete.
There are no obligations and it's 100% free.

SHOP NOW

Please read these terms and conditions of use carefully before using this web site.

Your use of theautoproviders.ca depends on your acceptance, without modification, of the following terms and conditions (the "Terms and Conditions"). By using theautoproviders.ca you accept these Terms and Conditions.

Modifications of the Terms and Conditions

theautoproviders.ca may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the theautoproviders.ca web site. Your continued use of the theautoproviders.ca website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.

How We Work

When you submit an application to theautoproviders.ca (the "Application") we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you.

Authorization

By submitting an Application to theautoproviders.ca, you certify that all information which you provide in the Application is true and complete and you authorize theautoproviders.ca or our agents or affiliates to:

obtain any and all credit information concerning your Application from any sources which theautoproviders.ca deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing a d facilitating your Application.

You can withdraw your consent to being contacted by theautoproviders.ca at any time by notifying us at info@theautoproviders.ca or by using the unsubscribe option on any of our electronic messages.

Links

theautoproviders.ca does not warrant the authenticity or reliability of the websites linked to the theautoproviders.ca website and is not responsible for the contents of any linked website. The inclusion of a link on the theautoproviders.ca website does not constitute endorsement of the linked website by theautoproviders.ca. Use of any such linked website is at the user's own risk.

Minors

This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the theautoproviders.ca website, or any services provided in conjunction with the website, under the supervision of an adult. theautoproviders.ca does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.

Restricted Access

In its sole discretion, in addition to any other rights or remedies available to theautoproviders.ca, and without any liability whatsoever, theautoproviders.ca may at any time, without notice to you, terminate or restrict your access to any component of theautoproviders.ca.

Governing Law

This use of the theautoproviders.ca website and any claims against theautoproviders.ca shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of theautoproviders.ca website and these Terms and Conditions.

Privacy Policy

Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe ("Privacy Policy").

theautoproviders.ca is committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with theautoproviders.ca. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the theautoproviders.ca website and through any interactions with you.

Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the theautoproviders.ca website.

Personal Information

Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns.

Examples of personal information theautoproviders.ca may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the theautoproviders.ca website and services.

Collecting Personal Information

theautoproviders.ca will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. theautoproviders.ca will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.

Using and Sharing Personal Information

theautoproviders.ca may use or share your personal information and Application to:

obtain any and all credit information concerning your Application from sources which theautoproviders.ca deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.

Protecting Your Personal Information

theautoproviders.ca protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.

Sharing Your Personal Information

When your personal information is transferred to or shared with a third party, theautoproviders.ca requires the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their contracts with theautoproviders.ca to maintain your confidentiality and may not use your information for any unauthorized purpose. If theautoproviders.ca is required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required.

Retaining your Personal Information

Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.

Contacting You

By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

Accessing your personal information stored by us

You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at the address provided in the "Contact us" section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request - for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Responding to Privacy Concerns or Complaints

theautoproviders.ca will respond in a reasonable time to your questions, concerns and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concern you have regarding the handling of your personal information.

theautoproviders.ca has designated a privacy officer ("Privacy Officer") who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing, and sent by email to info@theautoproviders.ca.

Terms

By accessing this web site, you are agreeing to be bound by Terms and Conditions of Use by this web site, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Authorization

By submitting our application, you certify that all information herein is true and complete. You authorize The Auto Providers and/or our agents/affiliates to obtain any and all credit information from any sources deemed appropriate. By using The Auto Providers and/or our agents/affiliates to communicate with you by phone, email, text or any social media platforms. You can withdraw your consent at any time by notifying us or by using the unsubscribe option on any of our electronic messages. You authorize The Auto Providers and/or our agents/affiliates to provide reports on the status of your application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, whether your application for credit is denied, and whether you accept a loan from that lender. You authorize The Auto Providers and/or our agents/affiliates to communicate with you by email. You authorize The Auto Providers to sell to one or more person or organization, car dealerships any or all of which may conduct independent searches in relation to your Personal Information. You authorize The Auto Providers and/or our agents/affiliates sell and/or otherwise disclose this Personal information to other wholesale lead providers or motor vehicle dealerships which may be able to assist you in purchasing a vehicle.

Links

The Auto Providers has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by The Auto Providers of the site. Use of any such linked web site is at the user's own risk.

Site Terms of Use Modifications

The Auto Providers may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to The Auto Providers web site shall be governed by the laws of the Country of Canada without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Web Site.

How We Treat Your Personal Information

Your privacy is very important to us. We created this page to show you how we keep the information you provide to us safe and private.

Involved companies, car dealerships in this loan process are important. When you apply for credit, you must agree that the info you supply to us may be used to apply for consumer credit reports from one or more credit reporting agencies together with their application and administration of your application.

To give you the best possible service, we work together with service providers in order to deal with your loan applications. We do not arrange for or facilitate credit.

We will release some or all of your information to these providers but just to look for credit for you. We take cautionary steps in order to examine the use of the information and stop the use of the information for any other reason whatsoever. All companies herein are required by law to adhere to federal and provincial privacy laws.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our Privacy Policy.

We will collect personal information by lawful and fair means and, with the knowledge or consent of the individual concerned. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

By accepting the terms of this Privacy Policy, you also consent to receiving email about additional products and services from us or any of our affiliates.

We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. However, security risks cannot be eliminated and we cannot guarantee that your Personal Information will not be used or disclosed in ways not otherwise described in this Privacy Policy.

If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

We will make readily available to customers information about our policies and practices relating to the management of personal information. We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Cookies

The Auto Providers may collect all information regarding your use of our website(s). Such information may include: dates and times that you access the website, the browsers and operating systems used, software and devices used, as well as, online services and details of your usage when on our website.

The Auto Providers website(s), online services, email messages and advertisements may collect information (e.g. cookies, web beacons, tokens, pixels or tags) to assist The Auto Providers in improving its products, services, customer communications and advertising. This will also help The Auto Providers keep you safe and prevent fraud.

The Auto Providers may use the information collected to recognize you as a user of the The Auto Providers website or online services and to facilitate and improve your use of the The Auto Providers websites or online services. Information may also be used to confirm that messages have been delivered to and opened by you and to provide you with targeted offers.

You may choose to decline or disable cookies, however doing so may affect your ability to access or use certain features of a website or online service. Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and The Auto Providers will deal with that non-personal information as explained in this Privacy Policy unless applicable law requires otherwise.

The Auto Providers may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party vendors (such as Google and Facebook) to display unique offers on third party websites and social media sites visited by users of the The Auto Providers website.

Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses The Auto Providers website – to display ads based on the computer’s past access to The Auto Providers website.

You may always opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.

If you do not wish to see ads from The Auto Providers, you can set your preferences for how Google advertises using the Google Ad Preferences page or opt out of interest-based advertising entirely. If you have any issues with our Privacy Policy, please contact info@theautoproviders.ca

The Easiest Way to Get a Car in Canada

The Easiest Way to Get a Car in Canada

Largest dealer network

Bad credit program

The Easiest Way to Get a Car in Canada

The Auto Providers

THE BIGGEST CAR DEALER NETWORK

Any make, any model

FAQ'S

1- What is the required credit score in Canada to get a car loan?

2-What is the required credit score to get a car loan in Canada?

3- Is a bad credit car loan actually the right solution for me?

4- Does a bad credit score go back up after buying a car?

5- Where Can You Get A Bad Credit Car Loan In Canada?

6- What is the interest rate on bad credit car loans in Canada?

7- Can I get a guaranteed bad credit car loan in Canada?

8- Does a bad credit score go back up after buying a car?

9- Is a bad credit car loan actually the right solution for me?

10- Will I have to make a down payment to get a car loan if I have bad credit?

11-What is the easiest way to buy a car with a bad credit score in Canada?

12-What types of cars can finance with Your Bad Credit Program?

Here's what people have to say

Mary F

Peterborough, ON

George S

Winnipeg, MB

John M

Red Deer, AB

Sukhpreet P

Toronto, ON

Richard W

Surrey, BC

Makayla B

Scarborough, ON

Lisa A

Halifax, NS

Get your car today

Dealer Services

Resources

Areas We Serve