Trouble With Credit

Have you had issues in the past with credit approvals?

Many people in Canada are in the tough situation of having high-risk credit or have no credit at all. In fact, about one-quarter of all Ontarians are living with a credit situation that does not make them eligible for traditional loans offered by the major banks.

For many of us, not having a car is not an option and it's not like we can wait around until the GTA figures out how to put a real public transit system in place.

At Weins Canada, we try to help you with what other dealerships can't. Most dealerships are not properly staffed to assist customers that may have a more complicated credit situation. We staff Financial Service Managers whose sole responsibility is to work with those with complicated credit. We will do our best to find a car loan that works for you.

To speak to one of our Financial Services Managers about credit assistance, please fill out the form below.

Financing With Bad/No Credit

Unfortunately, financing a Car with bad or no credit typically means that your interest rate will be higher. If you can, there are a few things you can do to try and keep that interest rate as low as possible.

  • Save for a down payment

    The bigger the down payment you can put towards your car loan, the better chance you have of getting approved. It also means that by taking money off the principal amount, you will also end up paying less interest.

  • Improve your credit score

    If you don't need a car today, try and improve your Credit Score before you come in for a loan. A credit advisor can help you concentrate on any low hanging fruit that might bump up your score a few points.

  • Don't finance expensive cars

    With 12 dealerships as part of the Weins Group, we have a fleet of new and used vehicles available. That means we have a good chance of finding a vehicle that will work for you and not cost you a fortune.


Credit Application

We want to make the credit application process as easy as possible. Fill out our application form with some basic information, and our Credit Specialist will contact you about what we can do to help you get a great car.

Bad Credit

If I have bad credit, what will the interest rate be on my car loan?

Interest rates depend on the strength of your personal credit. We have longstanding relationships with many Banks and Lenders to not only get you approved, but at the best interest rate possible.

Student Credit

Car Loans for Students with no credit

Building credit is possible for students and car loans are the best way to do just that. We will work with your Bank if possible to obtain a loan on your behalf. We have many lenders who specialize in new credit.

No cosigner

Can I get a car loan with no credit, cosigner or down payment?

Yes, it is possible! While it might seem difficult, as long as you are open to vehicle suggestions, we can make it happen for you. Building credit takes some time and a proven history of positive repayment. We will work with Banks and Lenders to get you the car you want.


Can I get a car loan after bankruptcy?

Absolutely! Many Banks and Lenders recognize anyone can have a bump in the road. They have programs designed with attractive rates to get you on the road in one of our cars!

Welcome To Canada

Getting your First Car Loan in Canada

Welcome! We have Special Credit Finance Managers to get you on the road in Canada. Simply fill out our quick application and we will contact you shortly.

Save Time By Getting Started Now!

Apply for credit today