Serving Toronto, The GTA & Ontario

Get Approved With
Bad Credit Car Loans

Bankruptcy? Consumer Proposal? $0 Down? No problem.

Start by picking a vehicle type below to check your pre-approval in 60 seconds — 0% impact to your credit score & $0 down payment options available.

Secure Your Pre-Approval ✓ $0 Down Payment Options Free Credit Blueprint
$0 Down Options Available • Soft-Pull Guarantee • GTA & Ontario Dealer Network

60-Second Pre-Approval Quiz

Soft pull guarantee • Checking options won't impact your credit score.

Vehicle Selection

Step 1 of 12

Start by picking a vehicle type:

What is your estimated monthly budget?

What is your residency status?

What is your current employment status?

Where do you work (or main income source)?

What is your approximate total monthly income?

(Before taxes — include employment, gig work, CCB, ODSP, pension, or cash income)

Do you have additional or household income?

How long have you been earning this income?

Do you rent or own your home?

✓ Pre-Qualified — Matching With GTA & Ontario Dealer Network ($0 Down Options)

Where are you located so we can match you with nearby dealer inventory?

Last step! Where should we send your approval options?

Verify your mobile number

Your application is saved! Enter the 6-digit priority code sent to to fast-track your file.

How It Works

01

Step 01

Submit Your Application

After you apply, our team looks at your info. We match you with a trusted car dealer. Then, a finance expert will call you to confirm your details, answer questions, and help you with the next steps.

We never check your credit without your permission.

02

Step 02

Get Matched & Approved

We do the hard work for you. We send your application to a dealer who works with many lenders. They will find the best loan for you. Because we know these lenders well, we can:

  • Match you with the best lender right away
  • Give you the best chance to get approved
  • Keep your credit safe from too many checks

After you are approved, you get to see cars that fit your budget.

03

Step 03

Choose Your Vehicle & Drive Away

Now for the fun part—picking your car! Once you are approved, you can choose from many cars at our dealer partners. When you find the perfect car, we finish the paperwork. We explain every detail of your loan so there are no surprises.

Easy. Clear. No stress.

Instant Payment Estimator

Slide your vehicle budget and select your credit tier to estimate your payment.

$25,000
72 mos
⚙️ Customize Down Payment, Trade-In & Tax Rate (Optional)
$0
$0
$0

Estimated Bi-Weekly Payment

$0.00
Total Financed (incl. Tax): $0 | Est. Rate: 6.99%
Get Approved For This Payment →

Comprehensive Auto Financing in Toronto & The GTA

At AutoBanker, we know everyone's money journey is different. Getting a car loan in Toronto and across Canada should not be stressful, no matter your credit score. Our goal is to connect you with the right lender to get you the best loan. We make buying a car clear and easy.

Types of Auto Loans We Offer

Bad Credit Car Loans

Life happens. Missing payments or sudden events can lower your credit score. We are experts in bad credit car loans. We work with lenders who look past your score to get you driving. This helps you fix your credit with monthly payments you can afford.

New Immigrant Financing

Are you new to Canada? Having no credit history here should not stop you from getting a car. We have special programs for permanent residents, students, and work permit holders. We help you get your first Canadian car loan with great rates.

Bankruptcy & Consumer Proposals

Even if you have gone through bankruptcy or a consumer proposal, you can still get a car loan. In fact, getting a car loan is one of the fastest ways to fix your credit after money troubles.

Zero Down Payment Loans

Do you have no money saved up? That is okay! Our Canadian lenders often approve car loans with $0 down. This lets you get a car right away while keeping your cash in the bank.

Why Choose a Specialized Auto Broker?

Going to a normal car lot with bad credit can lead to many credit checks. This hurts your score and can get you rejected. As an auto broker, we check your file once. We then send it to the exact lender who will approve you. This protects your credit and gives you the best chance to get a car loan.

Free Credit Rebuilding Blueprint

Learn the exact steps our clients use to fix their credit fast while driving a great car. Enter your email below to get the free guide right now.