Bad Credit Car Loans in Canada
YOU’REAPPROVED
Apply in under 2 minutes
No long forms. No paperwork. Just a few honest questions.
No judgment. Ever.
We’ve seen every credit situation. None of them define you.
No hidden fees. Period.
You’ll see your full cost breakdown before you sign anything.
Real people on your side
A finance manager calls you, not an AI script or chatbot
Your Credit Score Is a Number. It Is Not Your Whole Story.
Missed payments. A hard year. Debt that piled up faster than expected. Whatever brought your credit score down, you’re not stuck. GetGoing works with lenders across Canada who specialise in exactly this situation. We don’t just match you with whoever will say yes. We find the lender most likely to offer you the best terms for where you are right now.
You May Qualify Even If:
- Your credit score is below 600
- You’ve been turned down by a bank or dealership recently
- You have collections, missed payments, or a consumer proposal on file
- You’ve never had a car loan before
- You’re not sure if you have enough income to qualify
What Counts as Bad Credit in Canada?
In Canada, lenders consider a 600 or lower score “subprime.” Anything lower than 580 is generally considered “bad credit.” But your score is just one part of the story, other factors like current income, employment tenure, and debt-to-income ratio matter just as much in a finance application. GetGoing’s finance specialists look beyond the “score” and help you create a solid finance application based on your current income and employment details.
Here's How Simple It Is:
Apply in a few minutes
Complete our easy online application in minutes. Pick your vehicle, your budget and wait for our call.
We'll find you the best deal
After completing your online application, you'll be contacted by an auto financing specialist in <24 hours. They will go over the details of your application and give you some options of cars you're already qualified for.
Drive away in your new car
After agreeing to the best deal, you can pick up your vehicle or maybe even have it delivered right to your door for free!
Why Canadians Choose GetGoing
100% online
Apply from home. No dealership visit, no waiting room, no pressure.
No credit score damage
We use a soft check to start. Your score stays exactly where it is.
No hidden fees
You know what you are approved for and get a full cost breakdown before you commit to anything.
A specialist on your side
A real Canadian financing expert calls you. They know your file before they dial.
Vehicle delivered to you
We bring the car to your door. Free delivery in many areas across Canada.
Rebuilds your credit
Every on-time payment helps build your credit.
Hear From Our Happy Customers
Your Questions, Answered Honestly.
Yes, auto financing for used cars is possible with GetGoing, even with a less-than-perfect credit history. Lenders may require a down payment or a co-signer.
There’s no hard minimum. We work with applicants across all credit ranges, including scores below 500. What matters most is that you have a verifiable income source and can demonstrate you can manage the monthly payment. If you’re unsure of your score, no worries at all! Apply for a car loan from here, and we’ll figure it out together.
Your credit score is protected at the application stage. We use a soft credit check to start, which doesn’t appear on your credit report and has no impact on your score. A hard inquiry only happens later, when you’ve chosen your options and are ready to proceed. You’re in control of that step.
Most applicants hear back from a GetGoing finance specialist within a few hours of submitting their form. Approval decisions typically come in less than 24 hours. In many cases, you can be driving within 48–72 hours of applying.
Rates for subprime borrowers in Canada typically range from 9% to 29%, depending on your credit profile, income, loan term, and the vehicle you choose. We’ll always show you the full rate and total cost of your loan before you commit to anything.
This is one of the most powerful benefits of a car loan for someone with less-than-perfect credit. Every on-time payment gets reported to Equifax and TransUnion. Over 12–24 months of consistent payments, many of our customers see meaningful improvements to their credit score.