Bad credit, no credit, bankruptcy, new to Canada — we approve drivers every day. Same-day approvals, low rates, and thousands of vehicles to choose from across Canada.
No impact on your credit score. Submitting this form does not guarantee approval. Final terms subject to lender review.
A Canada Car Approvals finance specialist will contact you within hours. No obligation, soft credit check only.
📞 Need to talk now? Call 1-888-555-CARS
We work with 30+ lenders and dealerships nationwide to match you with the perfect vehicle and the best possible rate — regardless of credit history.
From your first application to driving away, we handle every detail — so you can focus on the road ahead.
Fill out our 60-second form. Soft credit check only — no impact on your score. We get to work immediately.
We shop your application across our network of 30+ Canadian lenders to secure your approval at the best possible rate — even with bad credit, no credit, or a past bankruptcy.
Browse thousands of pre-qualified vehicles across Canada. Your finance specialist matches you with options that fit your budget and approval terms.
Sign from home or in-store and drive away — most customers are approved and on the road within 24–48 hours. Free home delivery available in most provinces.
We don't just submit applications — we fight for your approval. Our network of lenders and dealers means more options, better rates, and faster approvals.
Past approvals are not a guarantee of future outcomes. Final terms vary based on credit, income, and lender criteria.
We have helped tens of thousands of Canadians get behind the wheel. Here is what a few of them have to say.
"After my bankruptcy I thought I'd never finance again. Canada Car Approvals got me approved for a 2023 SUV with $0 down. Game changer."
"They found me a better rate than my own bank. Picked the truck online, signed everything from home, delivered to my driveway. Couldn't be easier."
"Brand new to Canada, no credit history at all. Three other dealerships turned me down. Canada Car Approvals had me approved the same afternoon."
Everything you need to know about getting approved for an auto loan in Canada.
Our service is 100% free for drivers. We are paid by our lender and dealer partners only after you are approved and drive away — never by you.
No. We use a soft credit check to pre-qualify you, which has zero impact on your credit score. A hard inquiry only happens later if you decide to move forward with a specific lender.
Yes. We specialize in helping drivers with bad credit, no credit, consumer proposals, and discharged bankruptcies. We work with subprime and special-finance lenders that other dealerships do not have access to.
Most approvals come back within 24 hours, often the same day. Once approved and your vehicle is selected, you can typically drive away in as little as 24–48 hours — or have it delivered to your door.
Not always. Many of our approvals come with $0 down. A down payment can lower your monthly payment and open up better rates, but it is not required for most credit situations.
Typically: a valid Canadian driver's licence, proof of income (recent pay stubs or bank statements), proof of address, and basic ID. Your finance specialist will tell you exactly what is needed for your specific lender.
Free, confidential, no obligation. Available 7 days a week — including evenings and weekends.
1-888-555-CARS
Free, no-obligation quote. We answer 7 days a week.
[email protected]
Replies within 1 business hour during the day.
100 King St W, Suite 5600
Toronto, ON M5X 1C9
Serving all of Canada — online & in-person.
Phones: 7 days · 8am – 10pm ET
Office: Mon–Sat, 9:00am – 7:00pm ET
Start your free pre-approval and a Canadian finance specialist will contact you within hours.
🔒 SSL secured · Soft credit check only · No obligation
Whatever you drive, we finance it. Our 500+ partner dealer lots stock every major brand on the road in Canada — cars, SUVs, trucks and vans, new and used, starting from just $10K.
Used & certified pre-owned vehicles from $10,000 — financing tailored to your budget and credit.
Partner dealerships in every province — your perfect vehicle is closer than you think.
We deliver your approved vehicle straight to your driveway — anywhere in Canada, at no cost to you.
A decade of helping Canadians rebuild credit and get behind the wheel — trusted by 50,000+ drivers.
Free, confidential pre-approval. No obligation. No impact on your credit score. Get behind the wheel today.