Bad Credit Car Loans &
Finance Near You in Ottawa, ON
Secure Low-Rate Car Finance After Bankruptcy or Poor Credit in Ottawa
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Right Turn Auto Credit Specializes in Bad Credit Car Loans in Ottawa, Ontario.
Access the Best Car Loans for Bad Credit
Are you looking for a new or used vehicle but worry your credit history may hold you back from qualifying? If so, you’ve come to the right place. As a dedicated provider of bad credit car loans in Ottawa, we understand the challenges people with bad credit face when financing a vehicle purchase.
Contact us today to learn more about bad credit loans.
What Defines Bad Credit?
Before applying, it’s important to understand what lenders consider bad credit. Most auto finance companies view a FICO credit score below 580 as less than stellar.
Some key factors can negatively impact your credit score, including:
- Bankruptcy (filing for either personal or business bankruptcy) within the past 7 year
- Repossessions on your credit report within the past five years
- Judgments, tax liens, or other collection accounts still owed
- High credit utilization (using more than 30% of your available credit each month)
- Delinquent payments on loans like credit cards, lines of credit, or mortgages
- Limited or no established credit history
It’s also worth noting that your credit mix matters. Having a variety of open, on-time-paying credit accounts (revolving credit like credit cards plus installment loans) demonstrates that you can responsibly manage different types of financial obligations.
Flexible Options for Car Loans in Ontario, Canada
While a low credit score often leads to loan rejections or high interest rates elsewhere, we take a more nuanced approach to reviewing each application. Beyond just credit scores, we examine your entire financial picture – including income, employment history, monthly debt obligations and other relevant factors.
Limited or No Credit History Loans
In some ways, no credit is better than bad credit. We have programs tailored for applicants without much established credit history due to age or other circumstances as long as all other qualifying criteria are met.
Co-Signer Loans
Adding a co-signer with a good credit profile to your loan application can boost your approval chances substantially while lowering your interest rate. Just be aware that you’re both responsible for repayment.
Higher-Risk Vehicle Financing
While new cars are always the lowest risk, we can also finance used vehicles in a worn condition or higher-mileage models that conventional lenders may turn away. As long as the vehicle passes our inspection, it’s eligible.
Flexible Down Payment Options
Putting more money down on a vehicle loan reduces lenders’ risk exposure. However, we recognize not everyone has thousands saved for that purpose. Our programs allow lower down payments on certain vehicles.
Second Chance Auto Loans
If you’ve had credit issues in the past, like bankruptcies or repossessions, but have since started to rebuild your credit, we may still be able to assist after a careful review versus many other lenders.
Higher Interest Rates
As bad credit loan programs entail more risk for lenders, interest rates will usually be higher than standard auto loans. We aim to provide the lowest rates possible, given each applicant’s unique situation.
Our experienced lending team works hard to structure auto loan programs that balance affordability for borrowers with acceptable risk levels for lenders. Even if you’ve been turned down elsewhere, don’t lose hope! We may be able to approve your auto loan request where others could not.
How to Get a Car Loan With Bad Credit
Applying with us couldn’t be simpler. Here’s a quick overview:
Our Customers Say It Best
We are proud to serve the Ontario communities of Thunder Bay, Sault Ste. Marie, North Bay, Kingston, Windsor, Belleville, and Pembrook. Here’s what our customers about our car loans.
Get Started With Your Application Now!
As a dedicated provider of bad credit car loans in Ottawa, Ontario, we know how frustrating it can be to try to get a loan with a poor credit score. We do everything we can to help. From our application to payment servicing and support programs, we’ve got you covered. Our streamlined application process and expertise in this specialty lending space means we can often approve loans for people who might otherwise be turned away elsewhere.
Don’t wait – apply today!
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
Car Shopping
Made Simple
Typical Auto
Experience
Time Consuming
You have to go drive into the dealership, sit in the finance office, and wait for the numbers to come back on that one vehicle you’re unsure about.
Inefficient
You don’t know if the vehicle fits within your budget. You don’t know what options you have available to you.
Potential Rejection
You have to go drive into the dealership, sit in the finance office, and wait for the numbers to come back on that one vehicle you’re unsure about.
Right Turn Auto
Experience
Fast & Easy
We learn about the kind of vehicle you’re looking for and all of your concerns and issues up-front.
Stress-Free
We make sure ahead off time that the vehicles we show you fit within your budget, and you receive multiple vehicle and payment options.
Any Credit Accepted
Regardless of your credit history, we will be able to help you navigate debt management and securing an approval.
How it
Works
1
Budget Discovery
We learn more about your situation, your budget, and what kind of vehicle you are looking for. We make sure to gather as much information up front so we can offer you our expert guidance
2
Financing Approval
We secure you the best approval from our 15 available banking and lending options. This means you get the lowest rate available and absolute freedom when it comes to term and monthly payments.
3
Vehicle Selection
We offer you several different deal structures with multiple vehicles that fit your guidelines and perfectly match what you and your family are looking for.
We
Serve
We serve communities, towns, cities and regions throughout Ontario.
We can assist with you wherever you are! Our technology will match you with a dealership in your area that has the best possible rates and dozens of vehicle options.
