Pre-qualify in under 2 minutes. Fast, free, and with no obligation. See your options before you visit any dealer.
Answer 3 quick questions to see if we can match you.
Complete the short form below and we'll match you with lenders who work with your situation. It's free and won't affect your credit score to check.
Based on what you've told us, we're not able to match you with a car loan offer right now. A steady source of income is usually required to get approved. You're welcome to come back and try again once your situation changes.
Three simple steps between you and your next vehicle.
Answer a few quick questions. No paperwork, no pressure, and no impact on your credit score to check.
We connect you with lenders across Canada who specialize in all credit situations — including bad and no credit.
Review your options and choose the offer that fits your budget. Then pick up your car.
We help Canadians get financed when the banks say no.
Bad credit, no credit, bankruptcy or consumer proposal — our lending partners consider every situation.
Pre-qualify in minutes and get matched quickly, entirely online.
Lending partners available across every province and territory in Canada.
No cost, no obligation, and your information stays protected.
Straight answers about car loans with bad credit in Canada.
Yes. Many lenders in Canada work with bad credit, no credit, a past bankruptcy or a consumer proposal. They focus on steady, provable income, your existing payments, any down payment or trade-in, and the vehicle you choose. Pre-qualifying online shows you where you stand without affecting your credit score.
Often, yes. Some lenders approve applicants during an active consumer proposal, especially with steady income and on-time proposal payments, and more options open up once the proposal is completed. Tell your Licensed Insolvency Trustee before signing a new loan.
No. Pre-qualifying through Fast Car Loans Canada does not affect your credit score. A formal credit check only happens later, with your consent, if you decide to move forward with a lender.
It depends on your credit history, income, down payment and the vehicle. Bad credit car loans cost more than prime loans, but since January 1, 2025 the Criminal Code caps interest at 35% APR for most loans in Canada. Compare offers by APR and total cost of borrowing, not just the payment.
No. Fast Car Loans Canada is a free referral service. We connect Canadian drivers with third-party lenders and automotive financing partners; approval and terms are always set by the lender.
Yes. We have French pages for Montréal, Laval, Québec City and Gatineau, and our lending partners serve every province, including Quebec.
Practical help before you apply, wherever you live in Canada.