BAD CREDIT FINANCING
BAD CREDIT CAR LOANS CANADA
A low credit score doesn't define your future — and it shouldn't stop you from getting the vehicle you need. Yes Auto Canada connects you with 30+ Canadian lenders across prime, non-prime, and in-house financing tiers. We review every application individually to find options based on your full financial picture, not just your score.
95% APPROVAL RATE
Every application is manually reviewed by a specialist to find the best available option across our full lender network.
30+ CANADIAN LENDERS
From Canada's Big 5 banks to leading non-prime specialists — one application reaches the right lender for your situation.
NO CO-SIGNER REQUIRED
Most approvals through Yes Auto Canada require no co-signer and no down payment.
WHO WE HELP
If you've been turned down elsewhere, you're not out of options. We specialize in connecting Canadians who've faced financial setbacks with lenders who evaluate the full picture. Whether your challenges are recent or years behind you, there are programs designed for your situation.
PAST BANKRUPTCIES
Discharged from bankruptcy? Lenders in our network work with you to rebuild, not reject.
CONSUMER PROPOSALS
Active or completed consumer proposals are accepted by many of our lending partners.
MISSED PAYMENTS
A difficult stretch doesn't disqualify you. Income and employment carry significant weight.
NEW OR THIN CREDIT
Little credit history is different from bad credit — and we have pathways for both.
OUR LENDER NETWORK
We work with 30+ Canadian lenders spanning prime, non-prime, and in-house financing — including TD Canada Trust, RBC Royal Bank, Scotiabank, CIBC, iA Auto Finance, Rifco, Santander, AutoCapital Canada, and more. One application connects you to the right lender for your credit situation.
THREE SIMPLE STEPS, THAT'S IT.
01
APPLY ONLINE IN 2 MINUTES
Complete our secure online form. We only ask for what we need. No obligation, and submitting your inquiry does not trigger a hard credit pull on our end.
02
A SPECIALIST REVIEWS YOUR FILE
Your application is manually reviewed by a Yes Auto Canada specialist. We match you with the best available lender from our network of 30+ — based on your individual situation.
03
GET APPROVED AND GET DRIVING
Your specialist walks you through your options and next steps. Most applicants receive a response within 24 hours. In many cases, we're in touch the same business day.
COMMON QUESTIONS
Will applying affect my credit score?
Can I apply after bankruptcy or a consumer proposal?
Submitting an inquiry with Yes Auto does not trigger a hard credit pull on our end. However, once we match you with a dealer partner, that dealer or their lending institutions may perform a hard inquiry as part of the formal approval process.
Yes. Many lenders in our network regularly approve applicants who have completed a bankruptcy discharge or are managing a consumer proposal. Your specialist will identify which programs apply to you.
What credit score do I need?
There is no minimum credit score required to apply. Our lenders evaluate your full financial profile — including income, employment stability, and residency — not just your number.
How long does approval take?
Most applicants receive a response within 24 hours of submitting their application. In many cases our specialists are in touch the same business day.
Do I need a co-signer or down payment?
What vehicles can I finance?
Most approvals through Yes Auto Canada require no co-signer and no down payment. Your specialist will advise you if your situation calls for either.
Cars, SUVs, trucks, and vans — both new and used — through our nationwide dealer network. Your specialist will help identify options within your approved financing range.