Can I get a car loan in London with bad credit?

Yes! We work with London drivers every day who have experienced bankruptcies, missed payments, or low credit scores and help them secure affordable auto financing.

How long does it take to get pre-approved for a car loan in London?

Most London applicants receive a pre-approval within 24 hours, with final approvals typically completed in 1–2 business days.

Do I need a down payment for a bad credit car loan in London?

Not necessarily. Many London drivers qualify for $0 down options depending on their credit profile and the lender.

Bad Credit Car Loans in London, Ontario

Whether you're driving downtown, cruising along Wonderland Road, or commuting across the 401, bad credit shouldn’t stop you from getting the vehicle you need. Cars With Chloe helps London drivers find flexible, affordable financing options with fast approvals.

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Serving All of London and Surrounding Areas

Explore the cities we proudly assist customers in:

St. Thomas

Strathroy

Woodstock

Ingersoll

Dorchester

Aylmer

Exeter

Tillsonburg

Helping drivers across London and Southwestern Ontario find affordable car financing solutions.

Why Choose Us?

Local London Expertise

From Richmond Row to Hyde Park, we understand London’s auto market and what lenders expect—giving you a smoother path to approval.

Solutions for All Credit Types

Whether you're rebuilding after bankruptcy or have no credit history, we have flexible options tailored for London drivers.

Easy Online Applications

Apply online from anywhere in London and get pre-approved fast without the usual dealership runaround.

Wide Dealership Network

We work with a large network of trusted dealerships across London and surrounding communities to give you more vehicle options.

Flexible Financing Terms

Customize your loan payments to match your monthly budget—whether you're a student, a working professional, or a growing family.

Credit Rebuilding Support

Every on-time car payment helps you rebuild your credit, opening the door to better financial opportunities in the future.

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

A bad credit car loan offers London drivers the chance to drive away and build a stronger financial future at the same time.

Interest Rates

Rates typically start around 7% depending on your credit and financial profile.

Loan Terms

Loan terms usually range from 48 to 96 months.

Down Payments

Optional—many London drivers qualify for $0 down options depending on lender approval.

Move Forward With Confidence

Cars With Chloe gives London drivers the tools and financing options they need to move forward—on the road and in life.

Ready to Get Started?

Ready to drive away in London? Get pre-approved today—even with bad credit!

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Take the first step towards your new vehicle today.