Bad Credit Car Loans — Approved Across Canada
Past credit problems don't define you. Three Amigos works with lenders across Canada to get you approved — no matter what your credit history looks like.
We Approve All Credit Levels
Whether you've had missed payments, collections, a consumer proposal, or a bankruptcy, Three Amigos can help. We have relationships with dozens of lenders across Canada who specialize in second-chance financing.
We don't just look at your credit score. We look at your whole situation — your income, your stability, and your ability to make payments. Then we find you the best option available.
Bad Credit
Past missed payments or collections — we have lenders for your situation.
No Credit
Never had credit before? We can help you build it with a vehicle loan.
Past Bankruptcy
Even if you have been discharged from bankruptcy, we have options.
Consumer Proposal
We work with customers in active or discharged consumer proposals.
Ready to Get Approved?
Apply in 5 minutes. No obligation. Won't hurt your credit score.
Apply for Bad Credit Car LoanFrequently Asked Questions
Can I get approved with bad credit?
Yes. Three Amigos works with a network of lenders across Canada specifically for customers with past credit challenges. Bad credit, no credit, or bankruptcy — we have options for you.
Do I need a down payment if I have bad credit?
Not always. We have $0 down options for customers with bad credit. The terms will depend on your specific situation, but a down payment is not always required.
Will applying hurt my credit score?
Our initial pre-approval process uses a soft inquiry that does not affect your credit score. We only do a hard inquiry once you are ready to proceed.
How long does approval take?
Most customers with bad credit are approved within the same day. Apply online and we will contact you within a few hours.
Can getting a car loan help rebuild my credit?
Yes. Making regular on-time payments on your vehicle loan will help rebuild your credit history. Many of our customers have improved their credit scores significantly after financing a vehicle with us.