If you are on the market for a new vehicle but are worried that your bad credit history will get in your way, let Carloans.ca help! We accept car loan applications from everyone, regardless of what their credit situation might be. Not only do we want to help you find the perfect car for you that fits within your budget, but we also genuinely want to help you rebuild your bad credit with a car loan.
We have partnered with The Humberview Group who have 29 dealership locations across Ontario. This grants us access to an inventory worth more than $75,000,000 across 5,000 new and certified used cars that you can choose from. With cars, trucks, SUVs, and vans offered, there is surely something for everyone. Carloans.ca has been fortunate to be the trusted source of approvals and high quality used cars by over 50,000 customers.
Even if you have bad credit, you don’t have to worry about finding a vehicle. Carloans.ca is here to help you get that car loan you need at the best rates possible!
At Carloans.ca, we care about our customers and honestly want to help you rebuild your bad credit. A car loan with us is a great way to start mending your credit history and restore it to good standing. To make sure you are able to do so safely and soundly, all of our vehicles are fully certified, E-tested, reconditioned and plated in their name. Our team guarantees we meet Ontario’s safety certificate requirements by conducting additional safety checks and inspections as well.
In order for you to get the best vehicle at the lowest bad credit car loan rates possible, we do not carry any older models vehicles with high mileage. The reason we do this is simple: safety. Lower mileage cars provide extra assurance that you will not have to deal with unexpected repairs. Plus, newer models tend to still be covered by the manufacturer’s warranty so if anything were to happen, you can still have it fixed.
With our commitment to helping our customers find the perfect vehicle for them, mixed with our inventory of over 7,000 new and certified used cars, there is no doubt we’ll have something for you. And if we don’t, just let us know and we will find it for you! Once you have selected your new vehicle, you will be given its full history and any information we think might be relevant. This includes where the vehicle was located previously, the number of prior owners, if there were any reported accidents and if the vehicle was a rental or not.
Our number one priority is to provide our customers with safe, reliable vehicle options. All of our vehicles must pass our performance tests and thorough safety inspections before we are comfortable offering them to you. This ensures that you are receiving only the best quality vehicle that can be reliable for years to come.
Some other auto loan companies offer a “100% guaranteed approval with $0 down”, but what they don’t tell you is that these offers usually result in customers overpaying for a vehicle that is unreliable. It is true that older, high-mileage vehicles are priced lower than newer ones with less mileage, but they usually come with unexpected repair costs that can actually end up costing you more in the long run.
Carloans.ca does not offer any vehicle models older than seven years. Older, cheaper vehicles are a higher risk to car loan lenders so the chance of you getting a fair interest rate is less likely. With other lenders that offer these models, you might actually get charged a higher interest rate because the lenders are expecting for the loan to outlast the vehicle.
Risking your family’s safety is not a chance worth taking for lower monthly payments on your bad credit car loan. With Carloans.ca, you do not have to lower your standards just because of your bad credit. We will work with you to find a safe and reliable vehicle that works within your budget.
As our promise of excellent customer service to you, we will do everything in our power to make sure that you are satisfied with your new vehicle. We offer a free 30-day exchange policy so if you aren’t happy with your first choice, you can trade it for another! We will work with you to find a more suitable one that will check off everything on your wishlist. If we don’t have the car you are looking for in our inventory, we will find it for you. We want no customer to walk away from us displeased with their choice.
One of the services we offer is the free delivery of your vehicle anywhere within Ontario! All you have to do is let us know what location and time that works best for you and one of our dependable team members will personally deliver it to you! If you prefer to pick the vehicle up yourself, you can stop our head office, no problem. Whatever option you prefer, we just want to make sure the process of getting your vehicle is as unstressful and hassle-free as possible.
Your bad credit history shouldn’t stop you from finding a car loan with fair rates, a reliable vehicle you love and the ease of free delivery. If you choose Carloans.ca for your bad credit car loan, we are sure you will drive away satisfied. Contact us today to get started on your application!
This is my first experience inquiring about a new car. I was comfortable to talk to CarLoans.ca (Everyone was so patient and understanding with me). I was pleased with the service provided by Frank and everyone I dealt with.
Fantastic customer service. Very helpful and knowledgeable. Wonderful! That's all I can say. Mark is the best ever and he is perfect!
Great customer service. They did above and beyond to help me to get a car
Everything was great. Nothing was a problem for them.
The process was very perfect
Great fast service. Niki was very helpful. The delivery was on time. We are very happy with our new car! :)
I am happy with the sales people. Thank you
Great service, friendly people. I would recommend this to anybody I know. Thank you so much Helmut for all your help and thank you Farhan for bringing the car in excellent condition and taking your time to explain documents.
Very good service and good delivery
I just want to say that you have done an amazing job and and thank you for everything.
Thank you for making a difficult situation workable. I appreciate all the help and accommodation that were made to get me a new vehicle.
Had a terrific experience
Very kind and helpful. They explained very well and I appreciate that. Thanks guys.
I was very happy with the services. Very friendly and knowledgeable. It was an overall great experience.
Working with CarLoans.ca has been a pleasure right from the start. It was friendly and professional. I love how CarLoans.ca was willing to work with me.
Alan was extremely attentive to my situation and went above and beyond to ensure everything went smoothly. I would recommend CarLoans.ca for the support from Alan. I hope the other team members are just as caring and supportive. Thank you -Miigwech Alan! :)
Illy was a great help throughout this process, always helping to answer my questions!! Wouldn't want to deal with anyone else. Thank you Illyanna. Sincerely.
Everyone from start to finish has been great to deal with and gone above and beyond.
Great experience and very friendly. Delivery driver was great!
I greatly appreciate the service that was provided. It was fast and very professional.
Excellent service. Will recommend service to others
Neville, you have been amazing!! Your service was beyond excellent without a doubt. You are amazing at your job. Thank you and Thomas was amazing as well. Thank you all. :)
From day 1 speaking with Sasha, she made me feel very comfortable the way business was conducted.
After contacting CarLoans.ca with a potential car I wanted to buy, Frank Lamberti from CarLoans.ca investigated and confirmed that the potential truck was a bad choice due to a bad carfax. They then continued to find a better option which fit my liking.
It was a great experience working with Camille and Harvey. They were both professional and excellent. Will recommend them.
Great service, 5 out 5 stars. Driver was very friendly. Excellent service
Valerie, Thank you for going above and beyond. We are grateful for all the work you have done. Getting us to communicate can be a challenge with our busy schedule. But you had the patience to do so. You must be so busy taking care of all your clients since you treat them with this much care. Amazing customer service. I hope you take the time to relax. You deserve it! Thank you!
Very professional and quick. Thanks for the awesome wheels.
Efficient and quick process! Great people who really care.
It was great!
Thank you so much Jeremy for all of your help!! The process felt painless with you helping us.
Jeff was amazing. He went over and above to help me out! Our car purchase experience was awesome!!
I had great help from Abby with buying my new vehicle. He worked with me even after work hours and explained everything very well. Would highly recommend him to everyone else. The driver Richard who delivered vehicle was great!! Very friendly, explained everything well and on time. Thanks to both of them.
Very great service, nice car!
CarLoans.ca went above & beyond. Valerie was truly helpful and very trustworthy.
Very good service! Nice dealership!
Well done Alex and Tie. Your help is greatly appreciated!
Great Customer Service
Experience was great. Everything was explained and they answered any questions I had. Very pleasant people to work with.
I am so pleased with the services here in CarLoans.ca. Very kind people.