Bad Credit Car Loans & Finance Near You in Oshawa, ON
Need car financing in Oshawa but have a less-than-ideal credit score? Right Turn Auto provides Customized bad credit car loan solutions near you, offering flexible payment plans and a high approval rate for drivers in the Oshawa area.
Oshawa Bad Credit Car Loans & Finance Near You
At Right Turn Auto, we specialize in providing tailored bad credit car loans in Oshawa and nearby areas. Our services are designed to assist those with less-than-perfect credit scores by offering accessible financing options that work for your budget.
Whether you’re dealing with past financial issues such as bankruptcy, a consumer proposal, or simply a low credit score, our team is here to help. We understand the challenges you face and can connect you with trusted lenders who are familiar with the unique circumstances of Oshawa residents.
Our goal is to get you back on the road with a reliable vehicle, while also offering solutions that help rebuild your credit. With a network of lenders offering competitive rates, Right Turn Auto ensures that Oshawa drivers can find financing, no matter their past financial history.
Located just a short drive from Oshawa, our dedicated team serves the entire region with personalized financing solutions. We work with a network of lenders who specialize in bad credit auto loans, giving Oshawa residents access to competitive rates despite past credit issues.
Common Challenges Faced by People with Bad Credit to Get a Car Loan in Oshawa Near You
Oshawa residents with less-than-perfect credit face numerous obstacles when trying to secure auto financing near you. Understanding these challenges is the first step toward overcoming them.
Low Credit Score
Previous Bankruptcy
Consumer Proposal
Limited or No Down Payment
Income Verification Issues
Limited Credit History
Need a Bad Credit Car Loan in Oshawa?
Don’t let credit issues prevent you from getting the transportation you need. Right Turn Auto specializes in helping Oshawa residents with all types of credit situations secure affordable car financing.
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Our Bad Credit Car Financing Services in Oshawa
Bad Credit Auto Financing
Specialized car loan programs for Oshawa residents with low credit scores or limited credit history.
Car Loans After Bankruptcy
Custom financing solutions for Oshawa drivers who have experienced bankruptcy or are in the process of a consumer proposal.
Consumer Proposal Car Loans
Tailored auto loans for Oshawa residents who are currently in or have recently completed a consumer proposal.Car Loans for Single Moms
Flexible financing options specifically designed to help single parents in Oshawa secure reliable transportation.Second Chance Auto Financing
Fresh start vehicle loans for Oshawa drivers seeking to rebuild their credit with affordable monthly payments.Vehicle Trade-Ins
Trade in your current vehicle, regardless of its condition or the balance owed, to help finance your next car in Oshawa.
First-Time Buyer Programs
Special financing options for Oshawa residents purchasing their first vehicle, even with limited or no credit history.
Credit Rebuilding
Auto loans designed to help improve your credit score while securing the reliable transportation you need in Oshawa.Why Choose Right Turn Auto for Bad Credit Car Loans in Oshawa
High Approval Rate
We approve over 95% of applicants in Oshawa, regardless of their credit history.
Credit Rebuilding Focus
Every loan we arrange for Oshawa residents is tailored to help rebuild your credit.
Fast Application Process
Get approved for a car loan in Oshawa in as little as 24 hours.
No Obligation
Free consultations and quotes for all Oshawa residents with no hidden fees.
Extensive Lender Network
Access to 25+ specialized lenders who work with all credit types in Oshawa.
Personalized Service
Dedicated finance specialists who understand the unique financial conditions in Oshawa.
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
My overall experience with Right Turn Auto Credit gives them six stars!! Isabelle Irowa is an angel! She is extremely professional, her no pressure approach is what won me over. She took the time to explain every step of the process to us while she worked her magic to find our family the perfect car. Isabelle thank you so much for all your hard work, we will certainly see you again when its time to trade this beauty in.
Theresa Mendez
I just would like to say that Amanda and Nicole are very good at customer service. They genuinely do care about your situation. I want to thank these ladies for going the extra mile. They definitely knew that I was very picky person when it came to vehicles. I ended up getting 2018 SUV. I’m truly enjoying it. Thanks ladies for all your hard work. I appreciate the great customer service as our relationship has grown into friendship. Thanks again! Recommend anyone looking for vehicle and truly be treated VIP! This is place. You guys Rock!
Sharmaine Wright
I want to thank Anna G for helping me get approved for a car. After going to dealerships and they couldn’t help me, Anna at Right Turn Auto did. She got me approved in a day and walked me through every step. I now am driving a 2017 Kia Rio lx+ and I love it. I did the application and everything was done very quickly. I will definitely be going back to see her for my next vehicle. They make you feel like part of their family. She made me feel very comfortable from start to finish and texted me and called me to let me know everything that was going on with the vehicle. Thank you again for everything, and I will definitely be coming back.
Kelly Speteri
Isabelle went above and beyond to help find the closest fit for my situation. Both Isabelle, with some help from Nicole, worked tirelessly to make sure everything was a good fit and that I was satisfied. Also a shout out to Paul for delivering the vehicle all the way up to Sault Ste. Marie. He had never been here before. We (Judy and I) pointed out some land marks while driving him to the airport so he could catch his flight home. When it came to personal customer service, you set the bar very high. I don’t think there would be many companies that meet your standards. Dedication, integrity and honesty are qualities well shown. Thank you very much to all of you. The name of your company says it all.
Darren Robertson
We dealt with Isabelle and were totally amazed at how easy she made it. She went above and beyond to help us get a loan and feel good about it. She is absolutely one of the most caring down to earth people I have ever meant. It was totally our pleasure. Not just a loans officer but a new friend.
Michael Gee
I am very pleased with Right Turn Auto. I dealt with Amanda Romain and she had me in a new vehicle within a week of contacting her. I got the car I wanted and everything I asked for it to have. Amanda kept in touch with me letting me know how it was going. She answered any questions I had as well as getting me a great deal for financing. I would recommend this company to anyone. They didn’t push me into getting something I didn’t want just to have my business. I am very pleased with their service. Thank you Right Turn Auto and especially Amanda for the great business you have.
Pat Wellwood
Reviews
Frequently Asked Questions
Will applying for a bad credit car loan further damage my credit score?
Applying for a bad credit car loan typically results in a hard credit inquiry, which may temporarily lower your score by a few points. However, Right Turn Auto works to minimize multiple inquiries by matching you with appropriate lenders from the start. When you make consistent payments on your new loan, you’ll begin establishing positive payment history that can strengthen your credit profile over time, unlocking long-term value beyond just vehicle ownership.
How long does the car loan approval process take in Oshawa?
The approval process in Oshawa is streamlined for efficiency, often delivering results within 24-48 hours. Right Turn Auto’s pragmatic approach integrates digital tools with procurement goals, allowing many clients to receive same-day pre-approval. Once approved, you can typically complete the financing and drive away in your vehicle within 1-3 business days, depending on your specific circumstances and vehicle selection.
Do I need a down payment for a bad credit car loan in Oshawa?
While not always mandatory, providing a down payment strengthens your application and demonstrates financial commitment. Right Turn Auto works to assess your current situation and identify high-value initiatives that fit your budget.
Can I get a car loan in Oshawa if I've been through bankruptcy?
Yes, bankruptcy doesn’t eliminate your financing options in Oshawa. Right Turn Auto specializes in helping clients rebuild after financial setbacks. Our lending partners understand that bankruptcy represents a fresh financial start and often approve loans as soon as your bankruptcy is discharged. We optimize supplier relationships with specialized lenders who focus on your current stability rather than past challenges.
What types of vehicles can I finance with bad credit in Oshawa?
With bad credit in Oshawa, you can finance a wide range of reliable pre-owned vehicles, typically 7 years old or newer with reasonable mileage. Right Turn Auto aligns your transportation needs with procurement goals, focusing on vehicles with proven reliability, good fuel economy, and manageable maintenance costs. Our team helps identify options that balance quality and affordability, ensuring your investment delivers long-term value.
Visit Our Location Near Oshawa
While we serve customers across Ontario including Oshawa, our main office is located in Oakville. We can process your application remotely, or you’re welcome to visit us in person.
Address:
Right Turn Auto Credit
2357 Royal Windsor Drive
Oakville, ON
L6J7X6
Phone:
(844) 744-4884 or (416) 301-5570
Hours:
Monday - Friday: 10 AM - 6 PM
Saturday-Sunday: Closed
Ready to Get Approved for a Car Loan in Oshawa?
Don’t let bad credit stop you from getting the vehicle you need. Apply now and drive away in your new car in as little as 24 hours!
