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

Absolutely. We help Toronto drivers every day who have struggled with credit challenges—including missed payments, bankruptcies, and low scores—secure fast car financing.

How long does it take to get a bad credit car loan in Toronto?

Most Toronto applicants receive pre-approval within 24 hours, with final approvals often completed within 1–2 business days.

Is a down payment required for a bad credit car loan in Toronto?

Many of our Toronto customers qualify for $0 down options, though a down payment can sometimes help lower your monthly payments.

Bad Credit Car Loans in Toronto, Ontario

Living in the GTA means you need reliable transportation—bad credit shouldn’t stand in your way. Whether you're commuting downtown, across the 401, or into the suburbs, Cars With Chloe makes car financing in Toronto fast, simple, and accessible for every credit situation.

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Serving All of Toronto and Surrounding Areas

Explore the cities we proudly assist customers in:

Mississauga

Brampton

Scarborough

North York

Vaughan

Markham

Richmond Hill

Etobicoke

From downtown Toronto to the suburbs, we're ready to help you get driving—no matter your credit history.

Why Choose Us?

Deep Knowledge of the Toronto Market

We know the GTA's fast-paced car market and have relationships with lenders who work with all types of credit.

All Credit Profiles Accepted

Whether you’re new to credit, rebuilding after financial hardship, or dealing with a low score, we have programs tailored for Toronto drivers.

Easy Online Application

Apply online from your condo in the city or your house in the suburbs—quick, secure, and hassle-free.

Wide Dealership Network Across the GTA

We partner with trusted dealerships from Toronto to Vaughan and beyond, offering you more options and better deals.

Flexible Monthly Payments

Find car loan terms that fit your budget, whether you’re a downtown commuter or a suburban family driver.

Rebuild Your Credit While You Drive

Every on-time car payment helps you rebuild a stronger credit score and move toward a brighter financial 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 is a second chance—and Toronto drivers have more flexible options than ever.

Interest Rates

Typically start around 7% or higher depending on your financial situation and credit profile.

Loan Terms

Standard loan terms usually range between 48 to 96 months.

Down Payments

Available with $0 down for many Toronto applicants depending on lender criteria.

Take Back the Wheel

Cars With Chloe helps Toronto drivers get back on track—with reliable vehicles, flexible financing, and a real path toward credit rebuilding.

Ready to Get Started?

Ready to hit the road? Get approved for your next vehicle in Toronto today—even with bad credit!

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Take the first step towards your new vehicle today.