Bad Credit Car Loans Ontario

Guaranteed Bad Credit Car Loans*- Fast, easy, online.

Second chance bad credit auto loans, car leasing, used vehicle loan re-financing (*with valid proof of income.) - Apply for a car loan now, easy online auto loan application.- We work with Canada’s largest finance companies and offer car loan approval guaranteed.

• Same day pre approved auto loans for any credit score.
• Affordable vehicle loans from $300 /month (based on $1800 income.)
• From zero down payment. Trade-ins accepted.
• Access to a large car inventory. All makes and models.

Easy. We do all the work. We get the car, a loan, your vehicle registration, transfer of ownership, or new plates. We also offer used car warranties and auto insurance quotes.

Apply for a car loan now. Get a car in 48 hours*

•  1. Apply online, we will call you back today.
•  2. Be ready to fax or e-mail proof of income
        and your valid Ontario driver’s licence,
•  3. Car delivered in 48 hours* (*with valid proof of income)

All vehicles include safety and e-test certificates. Vehicle history reports available. We also offer car warranties & car insurance quotes.

How it works: step by step  |  FAQ  |  Used Car Loan Tips  |  Resources  |  Apply now

Bad Credit Car Loans 100% approved*- Our lender advantage

We offer high risk auto financing when others cannot. We work with large Canadian finance companies who specialize in guaranteed approval auto loans for poor, no, horrible, bad personal credit, after bankruptcy car loans, and used automobile & motor vehicle loan refinancing. more - About Us, Bad Credit Car Loan Specialists.

Large car inventory. All makes and models.

Access to a large car inventory. We are connected to a network of car dealers and wholesalers and have access to manufacturers’ off-lease used vehicles.

Why choose United Auto Credit Toronto?

We have helped thousands of people to get bad credit car loans and to drive again in Toronto & the rest of Ontario.

Experience. Over 20 years in the car business.

We sell reliable cars. We know what to look for and what cars to stay away from...we purchase our inventory at the same place as all other licensed used car dealers - the auto auction for manufacturer’s off-lease vehicles.

Privacy Act.

We are legally bound by the Privacy Act not to disclose information about customers, in accordance with industry regulations.

Good business track record.

We continually prove our good business track record as our business continues growing. We have built and maintained a network of lenders and we have established a proven track record of evaluations and re-evaluations by our lenders.

Lender regulations.

Lenders carry a financial risk, they have strict rules 1.) to avoid car dealers who might pack up over-night and 2.) to avoid conduct not in accordance with regulations to avoid fines or law suits.

To do business with our lenders we must use licensed and established car dealers. To be allowed to sign contracts on our lenders` behalf we, too, must prove we are an established business. Lenders verify our licence registrations and stipulate a required volume of sales per month.

Provincial regulations.

In Ontario car dealers and their representatives must be licensed by the Ontario Motor Vehicle Industry Council. This includes a criminal background check. We only do business with car dealers who are members of OMVIC. Our sales people are licensed and will disclose their registration number. New laws and stricter regulations for car dealers and sales staff were introduced in Jan. 2010, they include detailed guidelines for dealers over contracts, disclosures, warranties and business practices. read the article.
More information: Used Car Dealers Association of Ontario.