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Get Approved Fast for Bad Credit Car Loans in Ottawa
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
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
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.
