Before you start shopping for a car, you should look up your credit score for free. The way to do it (i.e. the way we do it) is a soft check; the great thing about soft checks is that they do not hurt your file. 

Picture this. You live in Toronto or Mississauga or Brampton. You have a job; you pay your rent. But you are new to Canada, or you have a past bankruptcy, or your credit file is in the 500s or up to the threshhold for a good credit score of 660. Every traditional lender says no. They see a low score or a thin file; what they do not see is a person who needs a reliable vehicle to navigate the 401, to get to work, to pick up kids from daycare.

Why Securing Auto Financing in the GTA Feels Impossible Without Good Credit History

The GTA is not that forgiving on you when you try to get around without a car. Transit takes hours. Rideshares cost a fortune long term. You need a vehicle that starts every morning; but without a loan, you are stuck. Banks only look at a 3 digit number; they do not understand the difficulties unique to newcomer status, divorce, or life after consumer proposals. You need a lender who looks at your income, your down payment, and your willingness to pay on time; not just your credit score.

Contact Drive Next Ontario for Bad Credit Car Loans in Toronto Delivered Across the GTA

approval stamp on pile of papers symbolizing experience of car loan approval
A car loan approval is easier in Toronto than you might think. It can start just as easily as pulling out your smartphone and using our credit check tool; it cuts down on in-person paperwork upfront and gives you an idea of where you're starting from.

Your GTA auto financing partner for all financial circumstances is Drive Next Ontario. We specialize in subprime and no credit auto financing for Toronto residents and for communities across Lake Ontario communities. We work with a network of dealers within the Kaizen Auto Group, and we offer a service many local financing options do not provide: direct delivery.

If you live in Toronto, you can pick up your vehicle at one of our partnered dealers in Toronto. But if you are in Hamilton, Barrie, or any suburb without easy access to a lot in the city; we can deliver the vehicle to your home or workplace.

Let’s look at how we can make it happen for you.

  1. Apply online in 3 minutes. Use our soft credit check tool mentioned above; it has no impact on your score when you try. Tell us about your income; full time, part time, gig economy or other sources are something to work with (not something to dismiss).
  2. Get pre approved within 24 business hours. We will contact you with your approval amount and terms. Get a clear yes or a realistic path towards approval.
  3. Choose your vehicle from our Ontario dealer network. We offer a wide selection of used cars, SUVs, minivans, and work vans. Every vehicle passes a full safety inspection; because you cannot afford a breakdown on the Don Valley Parkway.
  4. Drive away or take a remote delivery. If you are in Toronto, complete your paperwork at a Drive Next partnered dealer and drive home. If you are in a remote part of the GTA like Burlington or Peel, we arrange for the vehicle to arrive at your door. Every on-time payment is reported to credit bureaus, so your credit score starts climbing from day one.

No credit, bad credit, bankruptcy, divorce, newcomer to Canada; you are not disqualified from a car loan in Toronto. You are exactly who we are here to help. Drive Next Ontario has helped hundreds in the 6ix get back on the road and start building a better financial future.

Stop letting your credit score hold you back. Get approved today with our team of professionals. Contact us to get help and start your application!

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