By Right Turn Auto Credit | Ontario Vehicle Financing Specialists | Updated May 2026
Right Turn Auto Credit is an Ontario-based vehicle financing company that specializes in helping drivers who have been turned away by banks, dealerships, and mainstream lenders. This page explains who we help, what we offer, and how our process works.
Who Right Turn Auto Credit Is
Right Turn Auto Credit is a vehicle financing company based in Ontario. We work exclusively with buyers who have credit challenges, including bad credit, credit rebuilding, no credit, active or completed consumer proposals,active or past bankruptcies, and income situations that do not fit a standard bank application.
RTA is not a dealership in the traditional sense. We are a financing specialist that connects Ontario drivers with the right lenders and vehicles for their specific situation. Our process is designed around the buyer, not around what is easiest for the lender.
We have helped thousands of Ontario residents get into reliable vehicles when other options were not available to them. We work across the entire province, including Northern Ontario, first nation reserves and remote communities, through an online application and vehicle delivery model that removes geography as a barrier.
The Financial Situations We Work With
Most of our clients come to us because a bank, credit union, or dealership has already said no. The situations below are the ones we encounter most often. If yours is not listed, that does not mean we cannot help.
Bad Credit
A credit score below 600 is generally classified as poor or bad credit by Canadian lenders. Scores in the 400s and 500s are common among our clients, and we work with buyers across that entire range. A low score does not tell the full story of your financial situation, and it is not the only factor lenders consider.
What matters alongside your score is your current income, your employment stability, your existing debt obligations, and your ability to make a consistent monthly payment. We look at all of those things when we review a file and we present your application to lenders who evaluate the same way.
Read more: Bad Credit Car Loans Near Me: Getting Approved Anywhere in Ontario
Read more: 7 Signs You’re Paying Too Much for Your Car Loan
Consumer Proposals
A consumer proposal is a legal agreement between you and your creditors, administered by a Licensed Insolvency Trustee, that allows you to repay a portion of your debt over time while protecting you from collection actions. It remains on your credit file for three years after completion.
Getting a car loan during an active consumer proposal is possible in Ontario, but it requires your trustee’s written approval to take on new credit. Not all lenders will work with active proposals, but some specialize in exactly this situation. We know which ones they are and how to structure an application that gives it the best chance.
If your proposal is completed, your options open up more quickly than most people expect. Lenders in the non-prime space look at your proposal completion date and your behaviour since, not just the proposal itself.
Read more: Can You Buy a Car During a Consumer Proposal in Ontario?
Read more: How a Car Loan Can Help You Rebuild Credit After a Consumer Proposal
Bankruptcy
Bankruptcy in Canada is administered through the Bankruptcy and Insolvency Act. A first bankruptcy is typically discharged in nine months if you have no surplus income obligations. It stays on your credit file for six years after discharge in most provinces.
Many Ontario drivers assume that a past bankruptcy means they cannot finance a vehicle for years. That is not accurate. We regularly work with buyers who were discharged from bankruptcy within the last 12 to 24 months. Lenders in the non-prime market evaluate your current situation, including your income and any credit you have rebuilt since discharge, not just the fact that a bankruptcy occurred.
For buyers still in an undischarged bankruptcy, the situation is more complex, but not necessarily closed. We will tell you honestly where you stand rather than waste your time.
Read more: Can I Get a Car Loan After Bankruptcy in Ontario?
Read more: How Soon After Filing Bankruptcy Can I Finance a Vehicle in Ontario?
No Credit History
Having no credit history is not the same as having bad credit, but it creates similar barriers. Lenders cannot assess your repayment behaviour because there is no file to review. This is common among newcomers to Canada, younger buyers financing their first vehicle, and anyone who has relied on cash for most of their financial life.
A car loan is one of the most effective ways to establish a credit file in Canada. With consistent on-time payments, most buyers with no credit history see meaningful improvement within 12 months.
Read more: No Credit History? How to Get a Car Loan in Ontario
Low Income and Non-Traditional Income Sources
Standard lenders in Canada are structured around T4 employment income. If your income comes from self-employment, contract work, seasonal employment, Ontario Works, ODSP, CPP, or a pension, you will often find that mainstream lenders either decline your application or offer terms that do not reflect your actual ability to pay.
We work with buyers across all of these income categories. What matters is that income is consistent and documentable. We know how to present non-traditional income to the lenders most likely to work with it.
Read more: How to Buy a Car When You’re Struggling Financially in Ontario
Read more: How to Budget for a Car in Ontario When You Already Have Debt
Previous Repossession
A repossession on your credit file is one of the more serious negative marks a lender can see. It signals that a secured loan went unpaid long enough for the lender to reclaim the asset. However, a repossession does not permanently close the door on future financing. Time, income stability, and any credit rebuilt since the repossession all influence what is available to you now.
Read more: Can You Get a Car Loan After Repossession in Ontario?
How Our Process Works
We built our process around the reality that most of our clients are not in a position to spend a weekend driving from dealership to dealership hoping someone says yes. The process is designed to be honest, fast, and completable without leaving your home.
- Apply online in about five minutes
Our application asks for basic personal, financial, and employment information. No credit check is run at this stage. We use the information to understand your situation before we have a conversation, not to make a decision without you.
- One of our advisors reviews your file and contacts you directly
You speak with a person who has looked at your application. We discuss your situation, answer your questions honestly, and give you a clear picture of what your options are likely to look like before any lender is involved.
- We match your file with the right lender
We work with multiple lenders who specialize in non-prime and sub-prime financing in Ontario. Different lenders have different strengths. Certain lenders are better for active consumer proposals. Some are stronger for discharged bankruptcies. While some work well with non-traditional income. We send your application to the one most likely to produce a good result for your specific file, not just the fastest approval.
- We source the right vehicle
The vehicle matters as much as the financing. We help match you with a vehicle that makes sense for your budget, your life, and your approval. A vehicle that is too expensive or too old can affect your loan terms or approval chances. We factor all of that in.
- Paperwork and delivery
Documents are handled online and by phone. For buyers outside major urban centres, we arrange vehicle delivery to your address. You do not need to take time off work to sit in a showroom.
What Right Turn Auto Credit Offers
Used Vehicle Financing
The majority of clients we work with finance pre-owned vehicles. Used vehicles in the $10,000 to $20,000 range are well-suited to bad credit financing because lenders prefer lower loan amounts and vehicles with strong resale value. Reliable makes like Toyota, Honda, Hyundai, Mazda, and Kia are consistently easier to get approved on than luxury vehicles or trucks.
We can help source a vehicle that fits both your budget and your approval profile, or we can work with a vehicle you have already identified.
Loan Structures That Make Sense for Your Budget
Bad credit financing in Ontario typically carries rates between 14 and 29 percent depending on your profile, the lender, and the vehicle. We do not aim to get you the fastest approval. We aim to get you terms you can actually sustain, because a car loan you can keep paying is the most valuable thing we can help you with.
That means we pay attention to loan term, monthly payment relative to your income, and total cost of borrowing, not just whether you got approved.
Read more: What is a Good Interest Rate on a Car Loan in Canada?
Credit Rebuilding Through Consistent Payments
A vehicle loan reported to Equifax and TransUnion and paid consistently every month is one of the most reliable tools for rebuilding credit in Canada. Most of our clients who come in with scores in the 400s and 500s see meaningful improvement within 12 to 18 months of consistent payments on a loan we have helped them structure.
We explain this at the start of the process because we want buyers to understand that the loan is not just transportation. It is a financial instrument, and it works in your favour if it is structured correctly and paid on time.
Read more: Steps to Rebuild Your Credit Before Buying a Car in 2026
GAP Insurance and Protective Products
For buyers in bad credit situations, GAP insurance is worth understanding clearly. If your vehicle is written off or stolen and your loan balance exceeds what insurance pays out, GAP coverage covers the difference. Given that bad credit buyers often start with higher loan balances relative to vehicle value, GAP can be genuinely useful rather than just an add-on.
We explain every product we offer, what it costs, and what it does. Nothing is added to your loan without your understanding and agreement.
Read more: GAP Insurance in Ontario: What It Is, How It Works, and When It Makes Sense
Online Application and Vehicle Delivery Across Ontario
Our entire process can be completed remotely. This matters particularly for buyers in smaller cities, rural communities, and Northern Ontario where physical dealership options are limited. We have arranged vehicle deliveries to addresses across the province, including Northern communities and on-reserve locations.
Read more: Buying a Car Online in Ontario and Getting It Delivered
Read more: Bad Credit Car Loans Near Me: Getting Approved Anywhere in Ontario
What to Expect: Honest Information Before You Apply
We think buyers make better decisions when they have realistic expectations. Here is what the process typically looks like for someone coming to us with a challenging credit file.
| Interest Rates Bad credit car loans in Ontario currently range from approximately 14 to 29.99 percent annually depending on your credit profile, income, down payment, and lender. The national average for all car loans as of early 2026 is around 6.7 percent according to Statistics Canada. The gap between that and what bad credit buyers pay is real and significant. Our goal is to get you the rate that reflects your actual file, not the maximum the lender would allow. Loan Terms Terms of 48 to 84 months are common in non-prime financing. A longer term lowers your monthly payment but increases what you pay in total interest over the life of the loan. We walk through both numbers with you so you understand what you are signing. Down Payments A down payment is not always required, but it almost always improves your terms and reduces the total cost of borrowing. Even $500 to $1,000 down can make a meaningful difference. A trade-in with equity can serve the same function. Vehicle Age and Loan Limits Most Canadian lenders will not finance a vehicle beyond 10 years old at the time of purchase. The loan term available to you also shortens as the vehicle ages. A 2017 vehicle purchased in 2026 gives you a different term ceiling than a 2022 vehicle. We factor this into our vehicle recommendations. Approval Timeline Straightforward files can be approved in 24 to 48 hours. Files involving active consumer proposals, non-traditional income, or more complex credit histories may take a few additional days. We communicate clearly throughout so you are never left wondering where things stand. |
Serving All of Ontario
Right Turn Auto Credit does not operate from a single lot and does not limit its service area to buyers who can drive to a physical location. We work with buyers across the province through an online process with vehicle delivery.
This includes buyers in major cities, mid-sized communities, rural areas, Northern Ontario, and Indigenous communities. The financing options and lender access are the same regardless of where you are located.
| Communities we regularly serve include: Oakville, Mississauga, Brampton, Hamilton, and the broader GTA Ottawa, Kingston, Barrie, Guelph, London, and Windsor Sudbury, Sault Ste. Marie, Thunder Bay, Timmins, and North Bay Kenora, Dryden, Sioux Lookout, Kapuskasing, and surrounding Northern communities First Nations and on-reserve communities across Ontario If your community is not on this list, reach out. If you are in Ontario, we can work with your application. |
Frequently Asked Questions (FAQ)
These are the questions we hear most often from buyers who are new to the process or unsure whether their situation qualifies.
Can I get a car loan if I am currently in a consumer proposal?
Yes, in many cases. You will need written approval from your Licensed Insolvency Trustee to take on new credit, which is a standard legal requirement under the consumer proposal terms. Not every lender will work with an active proposal, but some specialize in exactly this situation. We know who they are.
How long after bankruptcy can I finance a vehicle in Ontario?
There is no mandatory waiting period. Some buyers finance vehicles within weeks of discharge. What matters is your income, your stability since discharge, and any credit you have started rebuilding. The sooner you begin rebuilding, the better your options look even within the first 12 months after discharge.
Will applying affect my credit score?
Our initial review does not involve a hard credit inquiry. When we submit to a lender, a hard inquiry is placed on your file. One inquiry has a minor short-term effect on your score, typically less than five points, and it recovers with continued responsible use within a few months.
What income do I need to qualify?
There is no fixed minimum. What lenders want to see is that your income is sufficient to cover the monthly payment relative to your existing obligations, and that it is consistent. We work with employment income, self-employment income, seasonal income, ODSP, Ontario Works, pension, and CPP.
Do I need a down payment?
Not always. Many of our clients are approved without a down payment. When one is available, even a small amount, it tends to improve your interest rate and reduce the total cost of the loan. We will tell you honestly whether a down payment would meaningfully change what is available to you.
Can I use a co-signer?
Yes, and a co-signer with stronger credit can expand your options significantly. The co-signer takes on legal responsibility for the loan if you do not pay, so it is a decision both parties need to understand clearly before proceeding.
What if I have been turned down elsewhere?
That is the most common situation we see. A turndown from a bank, credit union, or dealership does not mean you will be turned down everywhere. We work specifically with lenders who operate outside the prime market and who evaluate applications differently than mainstream institutions do.
Can you deliver a vehicle to a remote or on-reserve address in Ontario?
Yes. We arrange vehicle delivery across Ontario, including Northern communities and on-reserve addresses. Logistics vary by location but we have handled deliveries to remote areas and it is not an obstacle.
What vehicles can I get approved for with bad credit?
Reliable used vehicles in the $10,000 to $20,000 range tend to produce the cleanest approvals. Lenders favour vehicles with strong resale value and lower loan amounts. Brands like Toyota, Honda, Hyundai, Mazda, and Kia consistently perform well in the non-prime lending market. We factor vehicle selection into the overall approval strategy.
How long does the process take?
From application to approval can be as fast as 24 hours for straightforward files. More complex situations typically take two to four business days. Vehicle delivery timing depends on your location and the specific vehicle being sourced.
| Ready to Talk About Your Options? We work with Ontario drivers who have bad credit, consumer proposals, bankruptcies, and income situations that mainstream lenders do not know how to handle. If you have been turned away or if you are not sure where to start, reach out.We will look at your actual situation and tell you honestly what is possible. No obligation to apply. No pressure to decide on the call. Call or text: 416-500-0560 | Apply online at rta.ca Vehicle delivery available across Ontario including Northern and remote communities. |
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