Is bad credit preventing you against getting a car loan?

Is bad credit preventing you against getting a car loan?

At Legacy Auto Credit, we focus on rebuilding our customer’s credit through low-interest car and truck loans.

A free consultation with one of our credit experts to get started if your credit is preventing you from getting into a reliable vehicle, book!

Boost your Credit History

Our objective is always to transform our clients’ monetary life by enhancing their fico scores, enabling loan providers and credit card issuers to take into account them low-risk. We accomplish that goal by getting our consumers to the vehicle that is right restore their credit history.

Legacy Car Credit provides:

  • Low-kilometre cars, in order to drive a dependable car and make low re re payments
  • Industry-leading car loan prices — we’ll never charge you 20-30% rates like other creditors
  • 2-5 term options year
  • Reports to Equifax, to make sure that your credit rating improves throughout the term
  • Detailed intends to assist you to reconstruct your credit
  • Partnerships with dealer teams, to offer a big variety of automobiles to meet up your preferences
  • Professional staff to aid with debt-restructuring through proposals and bankruptcy
  • Multi-point vehicle inspections, in reducing the opportunity of unforeseen repair expenses
  • 30 Exchange day
  • Free Distribution

Step One

Apply On The Web

Our credit that is easy application obtain the process started with certainly one of our Credit and Finance Advisors.

Step Two


Our consultative way of funding will make suggestions through the credit rebuilding procedure which help you reconstruct an auto loan to your credit.

Step Three

Drive Away

After your approval, you are able to drive away in your vehicle that time if you’d like! Many thanks to our super easy procedure, we’re going to enable you to get authorized and driving very quickly, to get back again to residing the california legitimate online payday loans life span you need through rebuilding your credit.

Why Is Us Various

We Have Been The Lender

Our company is an in-house funding company that lends our very own cash, and that causes us to be various.

Meet The Group

At legacy Auto Credit you can easily select whom works in your favor. Our non payment Credit and Finance Advisors can get you authorized and explain to you car choices

We Deliver

Whom knew automobiles had been like pizza. You can now get our low rate in home funding anywhere in Ontario and never have to keep your house.

Exchange Privilege

We’re certain you’ll be satisfied with your purchase, however in situation you’re not just take it back* and we’ll assist you to exchange it for the right choice. (*Some exceptions apply)

Find out more about automobile finance, bad credit auto loans, credit guidelines & tricks, DIY together with latest in automotive news.

The Dirty Term “Budget”

We never liked the term “budget”. It offers attained all of the unpleasantness for the term “diet”.People feel a spending plan is just a spending diet packed with abnormal sacrifice and unhappiness. I favor to .

Customer Proposal & Bankruptcy We Are Able To He.

Customers are usually known Legacy Auto Credit since they’re in or just around to enter a bankruptcy or even a customer proposal. Many old-fashioned loan providers will reject them for an auto loan only at that tim.

Getting A Bad Credit Car Finance In Ontario.

For many Ontarians like your self, having a dependable car is a prerequisite. You should be capable of getting be effective, get food, and go to friends and family. You need to get t if you have children.

What exactly are Ontario’s Seat Belt & Chi.

Exactly what are Ontario’s Seat Belt & Child carseat Laws? Studies have shown that chair belts and youngster baby car seats protect grownups and kids from severe accidents in motor vehicle collisions by a lot more than 60 per .

Do a Bad is had by me Credit History? [And How Can We.

Our advisors that are financial often expected by customers, “Do we have actually bad credit?” It’s a reasonable concern. Even for individuals who do know for sure exactly what their credit history is, it may never be apparent if their .


We have been devoted to causing you to a durable consumer and buddy.

We had an incredible experience working with Vic, and legacy automobile credit. Assisting us comprehend just exactly how credit file work and just how to enhance it, making us feel confident!

Victor had been amazing! He had been really explain that is thorough we necessary to know and replied any concerns that I’d. He definitely went far beyond to obtain me personally another car. I might recommend likely to see him if you’re to locate another car.

Vic ended up being great in enabling me personally a motor vehicle that I favor and it is dependable. I would, he worked very well with my income as well if I could give more than 5 stars!

Vic had been amazing to cope with exemplary communication through the process that is entire. Wandered me step-by-step placing me personally into vehicle that was suitable for me personally! Many thanks for all your valuable assistance

Undoubtedly the most readily useful experience ive had purchasing an automobile had been using this destination! Everybody is really helpfulf! Vic ended up being great with interaction and keeping us as much as date in the procedure and got us vehicle we wanted quickly without problems! Would certainly keep coming back once more

Am I able to obtain a motor car finance after having a repossession? Will this help me to build my credit?

Yes, at Legacy Auto Credit we recognize that a repossession is often the results of an event that is uncontrollable situation. A number of our customers have experienced a past repossession or should be going back their car to your bank whenever filing a bankruptcy or customer proposition.

Yes, if you make your repayments on time. Legacy Auto Credit reports your re re payment history to Equifax month-to-month. In the long run with on time payments your rating shall increase.

What exactly is In-House Financing/Leasing? wemagine if i’ve been turned straight straight down before?

At Legacy Auto Credit we provide In-House Financing/Leasing. What this means is you pay us back that we provide the funds and then. We are able to view your credit situation for a level that is personal determine your capability to help make payments even though you have actually bad credit. We result in the decision that is final the approval which leads to more approvals and better prices. Our rates of interest for Consumer Proposal and Bankruptcy clients begin at 7.99% oac on brand brand new vehicles.

We come across many individuals which have been formerly refused because of several reasons that have included, bad re re payment history, maybe perhaps perhaps not sufficient time at work, a lot of financial obligation and income that is non-garnishable. With this In-House program we glance at your earnings, expenses and debts that might be inducing the turn downs and offer you with answers to get you rebuilding and driving your credit.

I still qualify if I have filed a bankruptcy or consumer proposal, can?

Yes, at Legacy Auto Credit our In-House system was made for bankruptcy and customer proposition clients. You can still qualify for our low rate in-house program if you are about to file or have already filed and are not discharged. We utilize a few trustees whom see that individuals certainly provide low prices and want you to definitely flourish in rebuilding your credit. If you’re going to file we are going to utilize you to definitely secure a car before filing to enable you to be confident in going back your present car that includes an excessive amount of negative equity, has too much of repayment or does not suite your preferences any longer. We additionally report your repayments to Equifax which can help re-establish your credit rating.

Did not see just what you’re trying to find?

We’re Right Right Here To Greatly Help

Our task is always to help individuals with bad credit get automobile financing at a cost point sufficient reason for rates they are able to afford.irrespective of your circumstances, it is worth trying and talking to certainly one of our credit experts.Don’t let woeful credit get in the form of residing a far better life.