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Welcome to our 24/7 instant bad credit car loan service. Get started now

Bad Credit Car Loans
0$ Down 100% Approval

No SIN required! Fast, easy & free

By applying I agree to Canada 1st Car Loans Terms & Conditions and Privacy Policy, and to receive Canada 1st Car Loans and their partner's electronic communications.

100% Free Online Application

Complete our short and easy 256 bit SSL secured car loan application.
Your financial information is always kept 100% safe and secure.

No Hidden Fees or Obligations

If you have completed our car application and have received offers from lenders, you are not obligated to accept an offer if they don't work for your needs.

How Canada 1st Car Loans Works

Complete Our Simple and Secure Application

No credit, bad credit, $0 down. Secured with top-notch security software, and 100% free to fill out.
Apply Online Now!

Get Car Loan Approval Within 5 Minutes

Canada 1st Car Loans will work hard to earn your business and get you approved as quickly as possible.
Get Approved In Minutes!

Drive your new car off the lot and enjoy

What if your new car was just a click away? Getting a car loan has never been easier in Canada.
Get Your Car And Enjoy!

Why Canada 1st Car Loans?

Canada 1st Car Loans has been reliable service for online car loans since 2011. We connect thousands of people to trusted lenders each month.

If you have been declared bankrupt, have missed payments, been repossessed, are self-employed and have zero or bad credit, we can help you get a car loan for that much-needed vehicle. You may have been denied a car loan by another car loan provider in Canada, but we can help.

Our lenders will approve you in as little as 3 minutes

  • Bad Credit
  • No Credit
  • Bankruptcy
  • Divorce
  • Repossession
  • Slow Credit
  • Missed Payments
  • R9 Credit
  • Collections
  • Late Payments
  • Get Your Car Loan

3 Easy Ways To Apply

Online Application

Available 24/7

Fill out our 2-minute no-obligation form that is secured with 256-bit SSL. Your information is kept safe and secure.

Apply Now

Car by Phone

Available 24/7

We work with hundreds of car buyers every day, ensuring they get the auto loan financing they need no matter their credit situation.

Storefront Car Loans

Mon - Fri, from 9am to 6pm

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    Canada Owned & Operated

PARTICIPATING LENDERS MAY VERIFY YOUR SOCIAL INSURANCE NUMBER, DRIVERS LICENSE NUMBER, PROVINCIAL ID, OR ANY OTHER GOV IDENTIFICATIONS AND REVIEW YOUR INFORMATION AGAINST FEDERAL DATABASES TO INCLUDE BUT NOT LIMITED TO EQUIFAX, TRANSUNION, AND EXPERIAN TO DETERMINE CREDIT WORTHINESS, CREDIT STANDING AND/OR CREDIT CAPACITY. BY SUBMITTING YOUR APPLICATION AND INFORMATION ON THIS WEBSITE, YOU AGREE TO ALLOW ANY AND ALL PARTICIPATING LENDERS TO VERIFY YOUR INFORMATION AND CHECK YOUR CREDIT.
Canada 1st Car Loans follows best practices of the Canadian Fair Trading Act of 1999. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. We can introduce you to a number of finance providers based on your credit rating. Written quotation on request.