Is credit that is bad you against getting a car loan?

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

In case the credit is preventing you against stepping into a dependable car, guide a free of charge assessment with certainly one of our credit specialists to begin with!

Boost your Credit Rating

Our objective would be to transform our clients’ monetary life by increasing their credit ratings, permitting loan providers and credit card issuers to take into account them low-risk. We accomplish that goal through getting our customers in to the right automobile to restore their credit history.

Legacy Car Credit provides:

  • Low-kilometre cars, to help you drive a vehicle that is reliable make low re re payments
  • Industry-leading car loan prices — we’ll never charge you 20-30% prices like many creditors
  • 2-5 term options year
  • Reports to Equifax, to make sure that your credit rating improves on the term
  • Detailed intends to allow you to reconstruct your credit
  • Partnerships with dealer teams, to offer a large choice of cars to generally meet your preferences
  • Expert staff to assist with debt-restructuring through proposals and bankruptcy
  • Multi-point car inspections, in lowering the possibility of unanticipated fix expenses
  • 30 Time Trade
  • Free Distribution

Step One

Apply On The Web

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

Step 2


Our consultative way of financing 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 if you’d like day! by way of our super easy procedure, we shall allow you to get approved and driving right away, to get back once again to residing the life span you would like through rebuilding your credit.

The Thing That Makes Us Various

Our Company Is The Lender

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

Meet The Group

At legacy Auto Credit you are able to select whom works in your favor. Our non payment Credit and Finance Advisors can get you authorized and show you automobile choices

We Deliver

Whom knew vehicles had been like pizza. You will get our rate that is low in funding anywhere in Ontario without the need to keep your house.

Exchange Privilege

We’re certain you’ll be satisfied with your purchase, however in instance you’re not merely take it back* and we’ll assist you to trade it for the correct one. (*Some exceptions use)

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

The Dirty Term “Budget”

We never ever liked the term “budget”. This has attained all the unpleasantness for the term “diet”.People feel a spending plan is an investing diet saturated in unnatural sacrifice and unhappiness. I favor to .

Customer Proposal & Bankruptcy We Are Able To He.

Customers are usually described Legacy Auto Credit since they’re in or around to enter a bankruptcy or a customer proposition. Many old-fashioned loan providers will reject them for car finance as of this tim.

Ways To Get A Bad Credit Auto Loan In Ontario.

For many Ontarians like your self, having a reliable vehicle is a requisite. You should be in a position to get be effective, grab food, and see relatives and buddies. You need to get t if you have children.

What exactly are Ontario’s Seat Belt & Chi.

What exactly are Ontario’s Seat Belt & Child carseat Laws? Studies have shown that chair belts and kid baby car seats protect grownups and kids from serious injuries in automobile accidents by significantly more than 60 per .

Do I’ve A Bad Credit Rating? [And How Exactly Does We.

Our economic advisors are often asked by consumers, “Do we have actually bad credit?” It’s a reasonable concern. Also for people who can say for certain exactly exactly what their credit rating is, it might never be apparent if their .


We’re invested in causing you to a durable consumer and buddy.

My spouce and I had an incredible experience working with Vic, and legacy automobile credit. Assisting us comprehend just exactly how credit history work and exactly how to enhance it, and made us feel confident!

Victor ended up being amazing! He had been extremely explain that is thorough we had a need to understand and responded any concerns that I experienced. He definitely went far beyond getting me personally another car. I’d suggest planning to see him if you’re interested in another vehicle.

Vic had been 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 exceptional interaction through the whole procedure. Moved me detail by detail placing me personally right into a motor vehicle that was suitable for me personally! Thank you for all of your assistance

Definitely the experience ive that is best had purchasing a car or truck ended up being with this spot! Everybody else is extremely helpfulf! Vic had been great with interaction and maintaining us up to date in the procedure and got us vehicle we wanted quickly without issues! Would definitely keep coming back once again

May I obtain car finance following a repossession? Will this assist me build my credit?

Yes, at Legacy Auto Credit we realize that a repossession is often the outcome of an uncontrollable occasion or situation. A number of our consumers have experienced a past repossession or may be going back their automobile into the bank whenever filing a bankruptcy or customer proposition.

Yes, if you will be making your repayments on time. Legacy Auto Credit reports your 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? Let’s say i have already been turned straight down before?

At Legacy Auto Credit we provide In-House Financing/Leasing. This implies you pay us back that we provide the funds and then. We are able to examine your credit situation on a individual degree and determine your capability to create re payments even although you have bad credit. We result in the ultimate decision on the approval which leads to more approvals and better prices. Our interest levels for Consumer Proposal and Bankruptcy clients begin at 7.99per cent oac on brand new automobiles.

We come across lots of people which were formerly rejected as a result of a few reasons which may have included, bad payment history, perhaps maybe not the time at work, way too much debt and income that is non-garnishable. With your In-House system we examine your revenue, costs and debts that might be inducing the change downs and supply you with methods to get you driving and rebuilding 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 created 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 make use of a few trustees whom see you to succeed in rebuilding your credit that we truly offer low rates and want. With you to secure a vehicle before filing so that you can be confident in returning your current vehicle that has too much negative equity, has too high of payment or doesn’t suite your needs anymore if you are about to file we will work. We additionally report your instalments to Equifax which will surely help re-establish your credit rating.

Did not see just what you had been interested in?

We’re Right Here To Aid

Our work would be to assist people who have bad credit get automobile financing at a cost point along with prices they could afford.regardless of your circumstances, it’s well well worth trying and talking with certainly one of our credit professionals.Don’t let woeful credit get in the form of residing an improved life.