Can I get a car loan with a 500 credit score in Newfoundland and Labrador?

Absolutely. At Cars With Chloe, we've helped drivers from St. John's to Labrador City get approved with credit scores as low as 500.

How fast can I get approved for a bad credit car loan in Newfoundland and Labrador?

Most Newfoundland and Labrador applicants receive pre-approval within 24 hours, and full approval typically happens within 1–2 business days.

Do I need a down payment for a bad credit car loan in Newfoundland and Labrador?

While a down payment can strengthen your application, many of our Newfoundland and Labrador dealership partners offer $0 down options for qualified applicants.

Bad Credit Car Loans in Newfoundland and Labrador

Facing credit struggles? You're not alone. Whether you're navigating the Trans-Canada Highway, exploring coastal communities, or commuting in St. John's, a reliable vehicle is essential. At Cars With Chloe, we help Newfoundland and Labrador drivers secure flexible car loans—even with bad credit.

Serving All of Newfoundland and Labrador

Explore the cities we proudly assist customers in:

Live outside the city? No problem—we help drivers all across Newfoundland and Labrador, from the Avalon Peninsula to the Labrador coast.

Why Choose Us?

All Credit Situations Welcome

Whether you're new to credit, recovering from bankruptcy, or rebuilding after financial setbacks, we're here to help.

Fast, Simple Applications

Apply online in just a few minutes. Quick, secure, and tailored for Newfoundland and Labrador drivers.

Wide Network of Dealerships

From St. John's to Labrador City, we partner with dealerships across Newfoundland and Labrador to offer more options and better rates.

How to Apply

Apply Online

It takes just a few minutes to complete our secure application.

Get Matched

We'll connect you with a dealership that fits your needs.

Choose Your Vehicle

Select from a range of cars, trucks, SUVs, and vans.

Drive Away

Finalize the deal and come pick it up, or have it delivered.

Understanding Bad Credit Car Loans

Bad credit doesn't have to steer you off course. Here's what drivers across Newfoundland and Labrador should know.

Interest Rates

Typically range from 7%+ in Newfoundland and Labrador, depending on credit profile, vehicle choice, and income.

Loan Terms

Flexible terms between 48 and 96 months.

Down Payments

Often 5% to 10%, but we have options with lower or no down payments too.

Rebuild Your Credit

A car loan can do more than just get you from A to B—it can help you rebuild your credit score with every on-time payment.

Ready to Get Started?

Ready to navigate the rugged beauty of Newfoundland and Labrador? Let's get you approved today.

Apply Now

Take the first step towards your new vehicle today.