Is bad credit preventing 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 the event your 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!

Enhance your Credit Rating

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 through getting our consumers to the right automobile to restore their credit history.

Legacy Car Credit provides:

  • Low-kilometre automobiles, 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 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 selection that is large of to fulfill your requirements
  • Professional staff to assist with debt-restructuring through proposals and bankruptcy
  • Multi-point automobile inspections, in reducing the possibility of unforeseen fix expenses
  • 30 Time Trade
  • Free Distribution

Step One

Apply On Line

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

Step Two


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

Step Three

Drive Away

After your approval, it is possible to drive away in your vehicle that time if you’d like! By way of our super simple procedure, we are going to enable 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.

Why Is Us Various

We Have Been The Financial Institution

Our company is an in-house funding company that lends our personal cash, and therefore makes us various.

Meet The Group

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

We Deliver

Whom knew automobiles had been like pizza. You will get our low price in household funding anywhere in Ontario without the need to leave your property.

Exchange Privilege

We’re certain you’ll be satisfied with your brand-new purchase, however in situation you’re not just carry it back* and we’ll allow 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 additionally the latest in automotive news.

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We’re dedicated to causing you to a customer that is long-lasting buddy.

We had a phenomenal experience coping with Vic, and legacy car credit. Assisting us realize just exactly how credit file work and exactly how to boost it, and made us feel confident!

Victor ended up being amazing! He had been really thorough explain every thing we needed seriously to understand and replied any concerns that I experienced. He definitely went far above to have me personally another automobile. I might recommend planning to see him if you should be searching for another automobile.

Vic ended up being great in getting me personally automobile that we love and 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 interaction through the entire procedure. Strolled me detail online installment loan kansas by detail placing me personally in to a motor vehicle that was suitable for me personally! Many thanks for all of your assistance

Definitely the experience ive that is best had purchasing a automobile ended up being using this destination! Everybody is very helpfulf! Vic ended up being great with interaction and maintaining us as much as date in the procedure and got us a motor vehicle we desired quickly without dilemmas! Would certainly keep coming back once again

Could I get a motor car finance following a repossession?

Yes, at Legacy Auto Credit we recognize that a repossession is often the results of an uncontrollable occasion or situation. A number of our customers have experienced a past repossession or would be coming back their car towards the bank whenever filing a bankruptcy or consumer proposition.

Will this help me to build my credit?

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

What’s In-House Financing/Leasing?

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 could have a look at your credit situation for a individual degree and determine your capability which will make re re payments even although you have actually bad credit. We result in the ultimate decision on the approval which leads to more approvals and better prices. Our rates of interest for Consumer Proposal and Bankruptcy clients begin at 7.99per cent oac on brand brand brand new cars.

Let’s say i have already been turned straight straight down before?

We come across many individuals which have been formerly rejected as a result of a few reasons which may have included, bad re re re payment history, perhaps maybe not the time face to face, way too much financial obligation and income that is non-garnishable. With your In-House system we have a look at your earnings, costs and debts that could be inducing the change downs and offer you with answers to get you rebuilding and driving your credit.

If We have filed a bankruptcy or customer proposal, may I nevertheless qualify?

Yes, at Legacy car 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 make use of several trustees whom see that individuals certainly provide low prices and need you to definitely achieve rebuilding your credit. If you should be going to file we’re going to use one to secure an automobile before filing to enable you to be confident in going back your car who has a lot of negative equity, has too much of repayment or does not suite your requirements any longer. We additionally report your instalments to Equifax which will surely help re-establish your credit rating.

Did not see just what you had been in search of?

We’re Right Right Here To Greatly Help

Our work would be to help individuals with bad credit get automotive loans at a cost point sufficient reason for prices they are able to afford. Regardless of your situation, it’s well worth trying and talking to certainly one of our credit professionals. Don’t let credit that is poor when it comes to living a far better life.