We will get you approved.

Select your vehicle EXPRESS APPROVAL

Income from $1,600 a month? we can help!

All we ask is that you've been with your current employer for at least 1 month, earning $1600 per month before taxes and deductions.

Down payment not needed

Down payments reduce your monthly repayments because your loan is smaller. If you have no money now, and you need a car loan, talk to us today.

We even do trade ins

Even if the car loan on your current vehicle hasn't finished, we can work with trade ins. Trade ins can be used as a down payment.

Loan term to suit you

What's affordable every month? Work with us to get the balance right between affordability and length of time you're paying back.

Two-minute application

Life's busy enough. Our application form only takes two minutes to fill in. All our applications are free, with no obligation and fast approval.

Choose from a huge range

It's about driving the vehicle that you want. Select from a wide variety of cars, trucks, SUVs and more.

Competitive rates

The rates we achieve for customers are market-leading, whether you've got good credit or bad.

Apply today and drive tomorrow

We're that good at working with Canadian car loan customers that our turnaround time is industry-leading.

We consider every credit score

Every Canadian's personal background is unique. We build car loans for our clients and not for the finance houses.

Buy from a dealer convenient to you

We're in hundreds of different locations right across Canada. Complete your free, no obligation application online now to be connected to the best dealer local to you.

Bad Credit Car Loans Inc.– Your first choice for Canada Car Loans!

If you're struggling to get the finance that you need to buy a car, then you've come to the right place. Here at Bad Credit Car Loans, we provide rapid access to the vital finance that you need to buy – and we make it easy and enjoyable in the process. Many customers find they need to take out bad credit car loans because they've damaged their credit rating and need time to rebuild it – in the meantime, they can access flexible finance and still drive away with the car they need to run their everyday lives quickly and without stress!

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All vehicles and needs covered

whatever your situation

Regardless of your credit status, car requirements and personal situation, we are here to provide you access to the best possible finance solutions. We will have a credit program that is exactly right for your needs.

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Happy Customers
Sold Vehicles

All Canadians considered - even with bankruptcy

We've helped many customers who have undergone bankruptcy. We pride ourselves in giving you great options to choose from for both vehicles and loans.

All Canadians considered - government assistance

Your range of choices is a little narrower for your finance but rest assured that we're always happy to work with you to find you the right deal.

Turned down for a car loan before?

Let our team work with you to find a dealer partner local to you. We'll find funding partners who want to say yes to you.

We help 99% of Canadians

The Bad Credit Car Loans Inc. has an incredible 99% approval rate. We never let bad credit stop us in the search for the best deal for you.

Online application saves time

We've made it easy to apply for a fast approval car loan. Fill on our easy-to-follow two minute application form online.

No 36-page application forms

We keep everything to a minimum. We're paperwork-lite too - a valid driver's licence and stamped pre-authorised payment form is usually all we need.

Instant approval

Our incredible efficiency means an answer straight away after your two minute application. You really can apply today and drive tomorrow with The Bad Credit Car Loans Inc..

Very quick turnaround

Fill in our two minute application form. Our dealer partners will contact you in just 24 hours. Work with them to select the best vehicle for you.

Your security is everything

Our website and two minute application form use the very latest and state-of-the-art data encryption, meaning your personal details are completely safe with us.

Bad Credit Car Loan Rates from 3.49% No Hidden Fees. Apply Now

No obligation to take out our bad credit car loans – although most of our customers do!

As well as offering a free financing service that seeks to meet our customers' unique needs in the best possible way, we also operate our business with a strict ethical policy. This means we never pressure our customers to take out bad credit car finance with us. We work with a variety of Canadian lenders to find you the best rates on your loan with no catches, hidden fees, or obligation. This gives you the information that you need without pressure, and we know that our customers really value our helpful, no-hassle approach to finding them the right car loan.

Learn more

What Clients Say?

Customer Testimonails

Amazing service. I got approved just yesterday and today I'm picking up my 2014 Nissan Pathfinder! You knew how important it was for me to have a vehicle for work and you made it happen. Thanks guys for all of your hard work!

Bernard H. Saskatchewan
Customer Testimonails

I can't believe I got a better deal with Bad Credit Car Loans then I did with the Ford dealership in Drayton. Lower payments, a bigger engine and only 1% higher than Ford's interest rate! I will be sure to recommend your services.

Dan V. Alberta
Customer Testimonails

I got turned down by three dealerships before applying with Bad Credit Car Loans. They not only got me approved but worked to get me a low monthly payment that fit my budget. I'm picking up my new Honda Civic tomorrow!

Brandi S. Ontario

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