Bad Credit Car Loans &
Finance in Ontario
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How it
Works

1
Budget Discovery
We start by getting to know you. Understanding your financial situation, budget, and vehicle preferences allows us to tailor the process to your unique needs. Our team gathers all the necessary details upfront, ensuring we can provide expert guidance and recommend the best options for you from the very beginning.

2
Financing Approval
With access to 15 trusted banking and lending partners, we work to secure the best approval for your needs. Our goal is to help you achieve the lowest rates and offer flexible terms, giving you complete control over your monthly payments.

3
Vehicle Selection
We present you with multiple deal options and a variety of vehicles tailored to your preferences and budget. Our goal is to help you find the perfect match that suits your needs and fits seamlessly into your lifestyle.
Car Shopping
Made Simple
Typical Auto
Experience
Time Consuming
Spend hours at a dealership, sitting in the finance office, waiting for numbers on a single vehicle you might not even want.
Inefficient
No clarity on whether the vehicle fits your budget or what other options are available to you.

Potential Rejection
Limited options and the risk of being denied financing can leave you frustrated and without a solution.
Right Turn Auto
Experience
Fast & Easy
We take the time upfront to understand your vehicle needs, concerns, and financial situation to simplify the process.
Stress-Free
Every vehicle we present fits your budget, and we offer multiple payment and vehicle options for you to choose from.
Any Credit Accepted
No matter your credit history, we’ll help you secure approval and guide you through debt management options to get you back on track.
What Makes Us
Different
At Right Turn Auto Credit, we specialize in providing bad credit car loans in Ontario. Our goal is to help people with less-than-perfect credit secure the vehicle they need. Whether you’re looking for a reliable car for family or work, we’re here to help you every step of the way.
Get Approved for Bad Credit Car Loans in Ontario
Struggling with bad credit but need a reliable car?
You’re not alone. Sometimes life doesn’t always go as planned. Whether it’s a job loss, unexpected expenses, or a few missed payments, bad credit can happen to anyone. But that shouldn’t hold you back from getting the car you need.
If you’re in Ontario and struggling with bad credit, Right Turn Auto Credit is here to help you get the car loan you need to get back on the road. Our experts work tirelessly to find financing solutions that work for you — regardless of your credit history. We offer car loans for bad credit in Ontario to help you get behind the wheel.
Our Bad Credit Vehicle Financing Products in Ontario
At Right Turn Auto Credit, we provide a range of services to help you secure car financing in Ontario. Our comprehensive products include:
Bad Credit Car Loans
Facing repeated rejections when trying to finance a vehicle can be frustrating. But not anymore! Our bad credit car loans in Toronto Ontario have got you covered. We partner with various lenders to offer competitive rates and flexible terms, ensuring you have the best chance of approval.
New and Used Car Loans
Whether you want a brand-new vehicle or a used car, we can help you in securing the right financing. Our car loans with bad credit in Ontario are structured to accommodate the type of car you choose.
Refinancing Options
Got a car loan but are struggling with high interest rates due to your credit history? Right Turn Auto Credit we can help. Our refinancing options allow you to adjust your loan terms, lowering your monthly payments and making your finances more manageable. If you’ve improved your credit score since your initial loan, our refinancing options are a lifesaver.
Vehicle Trade-Ins
Looking to trade in your current vehicle? We accept trade-ins, making it easier to upgrade to a new car. Our team will assess the value of your trade-in and apply it toward your new car loan. This will help you reduce the amount you need to borrow.
What Sets Right Turn Auto Credit Apart
Right Turn Auto Credit is committed to helping you drive the car you want at a payment you can afford. Here’s why you should choose us:
- Proven Expertise: Over 12 years in the auto industry, delivering trusted serviceHigh
- Approval Rate: A 95% approval rate for clients, even with bad credit.
- OMVIC Registered Dealer: We’re a registered dealer with the Ontario Motor Vehicle Industry Council
We’re a professional team ready to find the best Ontario bad credit car loans for you. Our team focuses on your future, not your past.
Drive Your Dream Car With Bad Credit Car Loans Ontario
Ready to find your dream car? Don’t let bad credit stop you from getting the car you need. At Right Turn Auto Credit, we offer reliable bad credit car loans Ottawa Ontario to fulfill your dreams. Whether you’re in Toronto, Ottawa, or anywhere else in the province, we’re here to help you secure the financing you need.
Satisfied Drivers
Real Reviews from Real People
Great service, awesome staff. Thank you Isabelle Irowa for all the help you have given us. You made everything easy for us – you are amazing! I never thought getting a new car is that easy with you. I would definitely recommend to everyone this company. We even get our car delivered to our door step, that’s how awesome they are to their clients. God bless you all, and many thanks.
Joan Abanto
I recently purchased a car from Right Turn Auto, and I couldn’t be happier with the experience. Shannon, my finance manager, went above and beyond to ensure all my needs and expectations were met. She guided me through each step with patience and clarity, making what can often be a stressful process feel smooth and easy. Shannon’s dedication and expertise truly set her apart, and I am incredibly grateful for her support. I would highly recommend Right Turn Auto to anyone in the market for a vehicle. Thank you, Shannon, and the whole team for making this such a positive experience!
❤️✨ RESILIENCE
Yesia Bedward (RESILIENCE)
If you need a vehicle, this is the place to TURN to. Mila was amazing! After a traumatic experience with a car accident, Mila got me into exact car we wanted and in less than a week. Go to Right Turn and definitely ask for Mila.
Mark Williams
My mom and myself would love to thank Mila for doing such an amazing job at getting us a beautiful vehicle when we were almost loosing hope a getting a better vehicle Mila came to our rescue THANK YOU MILA you truly are amazing 👏 ❤️
Connie
What an amazing experience! Nicole from Right Turn Auto Credit was extremely helpful and guided me through this whole process. She was very patient and understanding and went above and beyond to help me. I am truly so happy with my experience and very grateful for all of Nicole’s help through this process. I love my new car and am so excited to start driving it. I highly recommend Right Turn Auto Credit and ask for Nicole, she is awesome and extremely helpful! Thank you Nicole for making this process so much smoother and for being so helpful, I couldn’t be happier!
Alessia Servello
I worked with Shannon she was absolutely amazing! She made the impossible happen. This was my first car and unfortunately my co-signer didn’t have there g1 but she got an exception from the bank! Even got the delivery fee added to my monthly payments. If you’re looking for a car 100% ask for Shannon here at right turn auto. She was amazing to work with. After being denied by so many dealers it seemed impossible especially with me on maternity leave, but she made the impossible happen. I’m very happy with my 2018 Buick encore. She made sure she got me a car I could afford. Couldn’t be more thankful.
Kiana Maracle
After undergoing a bankruptcy 5 yrs ago, Shannon worked her magic and got us exactly what we wanted plus some.. she is truly a godsend along with her Team @ Right Turn Auto, definitely highly recommended, if you had the rest now try the best !! 💯❤️ Thank you so much for everything again as well as Colin Duffy who brought her directly to our home safe and sound 💪 💯
Brad Beauvais

Aroca Life CoachingJune 3, 2025. Five-Star Review for Right Turn Auto This is my second time working with Right Turn Auto, and once again, they’ve delivered an amazing experience. The team is friendly, professional, and truly committed to helping you find the right vehicle. They took the time to understand what I was looking for and matched me with a car that I’m really enjoying—it's been fun to drive and I feel great about my purchase. What I appreciate most is how supportive they are, even if your credit isn’t perfect. They really go the extra mile to work with you and make sure you leave with a car that fits your needs and budget. I highly recommend Right Turn Auto to anyone looking to buy a car. Great service, great people, and a place you can trust. Thank you again, Right Turn Auto! randy warnerJune 3, 2025. Amazing dealer to buy from shannon helped me out of my one car loan into this one Elexus MontgomeryMay 12, 2025. I was turned to Right Turn Auto Credit by my bankruptcy trustee. I was extremely hesitant to work with another auto group as I had just been in bankruptcy, so I was being told I had to pay 35% interest and I needed a cosigner. (At other places) I kept losing jobs because I didn't have reliable transportation and I was at the point where I was just going to accept my fate. But then I spoke with Mila. She explained the entire process to me, and explained why I was running into these problems, and what I needed to do to get myself in a comfortable affordable vehicle. She worked with me for roughly a year, and kept in touch every few months and as time went on, I got my credit where it needed to be through her suggestions. She taught me so much about credit and debt, things no one had ever explained and I was able to finally get myself in a car TODAY. She listened to my needs in what I needed from a vehicle, and provided me the best most informative customer service I have experienced. She was patient, as I said she worked with me for a year, and she believed in me when I never thought I'd be in a reliable vehicle again. I was told by everyone, family, friends, that if I claimed bankruptcy my life would be over, and in less than a year I am right back to where I was, when my credit was at its peak. I'm so grateful for my second chance and if anyone is in a similar situation I highly suggest you speak to Mila because she knows what to do and how to get there. Angiie tremblayMay 1, 2025. The easiest place to deal with and the staff is so friendly and they work night and day! I had the wonderful Mila!!! So grateful for everything she did for me and my family! Love my new ride ❤️ Laura CannonApril 28, 2025. I am so happy I was recommended to this company. Mila went out of her way to help me purchase a vehicle. So honest,, so thoughtful and worked so hard for me. Thank you. I would recommend this company to everyone. P.B.April 25, 2025. My experience with right turn auto was a phenomenal experience. I reach out to right turn autor and within days my problem was solved my sale represantive Fahad was prompted efficient and professional he fill my needs with my request for the kind of vehicle I needed. He gave me every single details about the car. I would recommend anyone to get the experience I got from right turn auto Oakhill to be exact and please ask for the best sale represantive Farhad..my car was even delivered right to my door And that's Fahad Shayne NoelApril 25, 2025. Fahad at Right Turn Auto was awesome to deal with! He made sure to take the time to make sure I got into a vehicle that I can be proud of. Thanks for everything Fahad 😁 Alessia ServelloApril 17, 2025. What an amazing experience! Nicole from Right Turn Auto Credit was extremely helpful and guided me through this whole process. She was very patient and understanding and went above and beyond to help me. I am truly so happy with my experience and very grateful for all of Nicole’s help through this process. I love my new car and am so excited to start driving it. I highly recommend Right Turn Auto Credit and ask for Nicole, she is awesome and extremely helpful! Thank you Nicole for making this process so much smoother and for being so helpful, I couldn’t be happier! Melanie ThompsonApril 17, 2025. Shannon at Right Turn Auto in Oakville is fabulous! She made purchasing a new vehicle, so easy, answered all of my questions, and was so very helpful and followed up with me as well would highly recommend her service there!!!