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Text Content

Apply Now
 * 
 * 
 * 
 * 

 * (519) 507-2277
 * Online Chat
   Support


 * Welcome
 * Inventory
   * Inventory
   * Value Your Trade
 * Financing
   * Our Programs
   * In House Program
   * Prime Rate Program
 * Reviews
   * Reviews
 * Contact Us
   * Meet the Team
   * Contact Us
 * Resources
   * Referral
   * Warranty
   * The-Complete-Guide-to-Buying-a-Car-with-Bad-Credit
   * A-Guide-to-Repairing-and-Rebuilding-Your-Credit-Score
   * Careers
   * Blog
   * Exchange Privilege

Search Inventory Submit Search


Close Search

Is bad credit preventing you from getting an auto loan?


WE CAN HELP

 * current step: 1. Step 1 : Select Vehicle
 * 2. Step 2 : Select Monthly Budget
 * 3. Step 3 : Select Birthday
 * 4. Step 4 : Employment Status
 * 5. Step 4.1 : Employment Details
 * 6. Step 4.2 : Monthly Income
 * 7. Step 4.7 : Employment Status V2
 * 8. Step 5 : Employment Length
 * 9. Step 6 : Address Details
 * 10. Step 7 : Address Details (Own/Rent)
 * 11. Step 8 : Address Details (Live At Current Address)
 * 12. Step 10 : Create Account
 * 13. Step 11 : Complete Account
 * 14. Step 12 : Thank You


STEP 1 : SELECT VEHICLE


GET APPROVED TODAY

Begin your application by selecting a vehicle

I want a Truck
I want a Van
I want a Sedan
I want a SUV

I want a Truck
I want a Van
I want a Sedan
I want a SUV



STEP 2 : SELECT MONTHLY BUDGET


SELECT YOUR MONTHLY BUDGET

Under $350/mth $351 - $475/mth $476 - $600/mth $601+/mth
By telling us how much you can afford we're able to match you with the dealer
partner who best meets your needs. * Monthly budget is required


STEP 3 : SELECT BIRTHDAY


CONFIRM ELIGIBILITY

When is Your Birthday?
birthmonth Month January Febuary March April May June July August September
October November December
birthday Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
26 27 28 29 30 31
birthyear Year 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972
1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956
1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940
1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924
1923 1922 1921 1920

Continue
Program eligibility in Canadian provinces and territories varies based on age.


STEP 4 : EMPLOYMENT STATUS


EMPLOYMENT STATUS

What is Your Employment Status?
Employed Employed Student Unemployed Student Homemaker Self-employed Retired
Other
The status of your employment helps us determine the appropriate loan program
for you.


STEP 4.1 : EMPLOYMENT DETAILS


EMPLOYMENT DETAILS

Where Do You Work?
Occupation or Job Title
job_title
Company Name
company_name

Continue
These employment details help us improve your chances of getting approved for a
car loan.


STEP 4.2 : MONTHLY INCOME


MONTHLY INCOME?

Before Taxes or Deductions
$1500-$1799 $1800-$1999 $2000-$2499 $2200-$2499 $2500-$3999 $4000-$5999 $6000+
Your income details show that you have the resources to make your monthly or
bi-weekly payments, increasing your approval rate.


STEP 4.7 : EMPLOYMENT STATUS V2


EMPLOYMENT STATUS

Select From These Other Income Sources
Maternity Leave Employment Insurance Social Assistance Long-Term Disability
Short-Term Disability Unemployed
The status of your employment helps us determine the appropriate loan program
for you.


STEP 5 : EMPLOYMENT LENGTH


EMPLOYMENT LENGTH

How Long Have You Been Employed or Received This Income?
At Least 3 Months At Least 9 Months At Least 1 Year At Least 3 Years At Least 5
Years At Least 10 Years
Providing the length of the time you have been receiving this income helps us
better understand your employment situation, increasing the likelihood of you
getting approved.


STEP 6 : ADDRESS DETAILS


ADDRESS DETAILS

What is Your Home Address?
address
city
city Province Alberta British Columbia Manitoba New Brunswick Newfoundland
Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Québec
Saskatchewan Yukon
postal_code

Continue
Available programs vary based on where you live. Please help us find the most
convenient option for you by entering your home mailing address above.


STEP 7 : ADDRESS DETAILS (OWN/RENT)


ADDRESS DETAILS

Do You Rent or Own?
Rent Own
monthly_payment

Continue
Your address details help us determine a suitable budget and loan amount that
will maximize your chances of getting approved.


STEP 8 : ADDRESS DETAILS (LIVE AT CURRENT ADDRESS)


ADDRESS DETAILS

How Long Have You Lived at Your Current Address?
At Least 3 Months At Least 9 Months At Least 1 Year At Least 3 Years At Least 5
Years At Least 10 Years
Your address details help us determine a suitable budget and loan amount that
will maximize your chances of getting approved.


STEP 10 : CREATE ACCOUNT


ALMOST DONE

What is Your Name?
First Name
first_name
Last Name
last_name

Continue To Final Step
To complete your application and access your loan we need your basic
information.


STEP 11 : COMPLETE ACCOUNT

Your Contact Details
Email Address
email_address
Primary Phone Number
phone_number

Get Approved
To complete your application and access your loan we need your basic
information.


STEP 12 : THANK YOU

Your application has been successfully submitted.
Thank you for reaching out to us! We will be contacting you within 24 hours.
 * Previous
 * Next
 * Finish

Authorized
Representatives of









IMPROVE YOUR CREDIT SCORE

Our goal is to transform our clients’ financial lives by improving their credit
scores, allowing lenders and credit card companies to consider them low-risk. We
achieve this goal by getting our clients into the right vehicle to restore their
credit score.

Legacy Auto Credit offers:

 * Low-kilometre vehicles, so you can drive a reliable vehicle and make low
   payments
 * Industry-leading auto loan rates — we’ll never charge you 20-30% rates like
   other creditors
 * 2-5 year term options
 * Reports to Equifax, to ensure that your credit rating improves over the term
 * Detailed plans to help you rebuild your credit
 * Partnerships with dealer groups, to provide you with a large selection of
   vehicles to meet your needs
 * Expert staff to help with debt-restructuring through proposals and bankruptcy
 * Multi-point vehicle inspections, to help reduce the chance of unexpected
   repair costs
 * 30 Day Exchange
 * Free Delivery


GET APPROVED TODAY | CAR LOAN | BAD CREDIT


STEP 1


APPLY ONLINE

Our easy credit application will get the process started with one of our Credit
and Finance Advisors.


STEP 2


APPROVAL

Our consultative approach to financing will guide you through the credit
rebuilding process and help you rebuild your credit with an auto loan.


STEP 3


DRIVE AWAY

After your approval, you can drive away in your vehicle that day if you’d like!
Thanks to our super simple process, we will get you approved and driving in no
time, so you can get back to living the life you want through rebuilding your
credit.

Apply Now


WHAT MAKES US DIFFERENT


WE ARE THE BANK




We are an in-house financing company that lends our own money, and that makes us
different.

Find Out More


MEET THE TEAM




At legacy Auto Credit you can choose who works for you. Our non commission
Credit and Finance Advisors will get you approved and show you vehicle options

Meet The Team


WE DELIVER




Who knew cars were like pizza. Now you can get our low rate in house financing
anywhere in Ontario without having to leave your home.

Find Out More


EXCHANGE PRIVILEGE




We’re sure you’ll be happy with your new purchase, but in case you are not
simply bring it back* and we’ll help you exchange it for the right one. (*Some
exceptions apply)

Find Out More


BLOG

Learn more about auto finance, bad credit auto loan, credit tips & tricks, DIY
and the latest in automotive news.

How to Check Your Credit Score 101

How to Check Your Credit 101...

Read More

Guide to Credit score Ranges in Canada: Good ...

Guide to Credit score Ranges in Canada: Good Credit Explained.Your credit score
is an important piece of your financial footprint. It allows you to buy a new
vehicle, get approved for a mortgage a...

Read More

Consumer Proposal VS. Bankruptcy

What is the difference between a Consumer Proposal and a Bankruptcy? Which is
better?I always feel that if you can afford the monthly payment in a consumer
proposal, you should choose that over ba...

Read More

The Surprising Joy of Setting Goals

The Surprising Joy of Setting Goals. Money is FREEDOM Can you imagine how free
you would feel if you had $100,000? How about $1,000,000? In contrast, if you
have nothing in the bank, even if you a...

Read More

What is the most common money mistake ?

What is the most common money mistake? Have you ever had a friend, in an honest
effort to help you, give you some advice that is so obvious that you felt almost
insulted? Well you are going to fee...

Read More



Loan Duration 36 Months

Loan Payment $20000.00

How is your credit?
poor
average
good

Projected Payment

$594.44
Bi-Weekly Payment $297.22
Weekly Payment $148.61
Apply Now


TESTIMONIALS

We are committed to making you a long-lasting customer and friend.

My husband and I had an amazing experience dealing with Vic, and legacy auto
credit. Helping us understand how credit reports work and how to improve it, and
made us feel confident!

Jennifer Boehm

Read more

Victor was amazing! He was very thorough explain everything I needed to know and
answered any questions that I had. He definitely went above and beyond to get me
another vehicle. I would highly recommend going to see him if you are looking
for another vehicle.

Yvonne Phillips

Read more

Vic was fantastic in getting me a car that I love and is reliable. If I could
give more than 5 stars I would, he worked very well with my income as well!

Madison Wilson

Read more

Vic was amazing to deal with excellent communication through the entire process.
Walked me step by step putting me into a car that was right for me! Thanks for
all your help

Carrie Wilson

Read more

By far the best experience ive had buying a car was from this place! Everyone is
very helpfulf! Vic was great with communication and keeping us up to date on the
process and got us a car we wanted quickly without problems! Would definitely
come back again

Dylan Gouveia

Read more




FAQ


CAN I GET A CAR LOAN AFTER A REPOSSESSION?

Yes, at Legacy Auto Credit we understand that a repossession is usually the
result of an uncontrollable event or situation. Many of our clients have had a
previous repossession or will be returning their vehicle to the bank when filing
a bankruptcy or consumer proposal.


WILL THIS HELP ME BUILD MY CREDIT?

Yes, if you make your payments on time.  Legacy Auto Credit reports your payment
history to Equifax monthly.  Over time with on time payments your score will
increase.


WHAT IS IN-HOUSE FINANCING/LEASING?

At Legacy Auto Credit we provide In-House Financing/Leasing.  This means that we
provide the funds and then you pay us back.  We can look at your credit
situation on a personal level and determine your ability to make payments even
if you have bad credit.  We make the final decision on the approval which
results in more approvals and better rates.  Our interest rates for Consumer
Proposal and Bankruptcy customers start at 7.99% oac on new cars.


WHAT IF I HAVE BEEN TURNED DOWN BEFORE?

We see many people that have been previously turned down due to several reasons
which have included, poor payment history, not enough time on the job, too much
debt and non-garnishable income.   With our In-House program we look at your
income, expenses and debts that would be causing the turn downs and provide you
with solutions to get you driving and rebuilding your credit.


IF I HAVE FILED A BANKRUPTCY OR CONSUMER PROPOSAL, CAN I STILL QUALIFY?

Yes, at Legacy Auto Credit our In-House program was created for bankruptcy and
consumer proposal customers.  If you are about to file or have already filed and
are not discharged, you can still qualify for our low rate in-house program.  We
work with several trustees who see that we truly offer low rates and want you to
succeed in rebuilding your credit.  If you are about to file we will work 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.  We also report your payments to Equifax
which will help re-establish your credit score.

Didn't see what you were looking for?


WE’RE HERE TO HELP

Our job is to help people with bad credit get auto loans at a price point and
with rates they can afford.
No matter your situation, it’s worth reaching out and speaking to one of our
credit specialists.
Don’t let poor credit get in the way of living a better life.

GET IN TOUCH
Get Directions to Select a location Select a location Thorndale Walkerton Guelph
Enter your starting address
 * Thorndale
   16662 Thorndale Rd, Thorndale, ON N0M 2P0
   43.0984351
   -81.1667479
   https://www.google.com/maps/place/16662+Thorndale+Rd,+Thorndale,+ON+N0M+2P0/@43.0984351,-81.1667426,17z/data=!3m1!4b1!4m5!3m4!1s0x882eeb2cbad32061:0x2b99df695f5d4d31!8m2!3d43.0984351!4d-81.1645539
 * Walkerton
   131 Kincardine Road Walkerton ON, N0G 2V0
   44.114790
   -81.150940
   https://www.google.ca/maps/place/131+Kincardine+Hwy,+Walkerton,+ON+N0G+2V0/@44.1148012,-81.153034,17z/data=!3m1!4b1!4m5!3m4!1s0x88299f42e599f551:0x107913568256117!8m2!3d44.1148012!4d-81.1508453
 * Guelph
   605 Woodlawn Rd. W. Guelph ON, N1K 1E9
   43.5420388
   -80.3124281
   https://www.google.ca/maps/place/605+Woodlawn+Rd+W,+Guelph,+ON+N1K+1E9/@43.5420388,-80.3124281,17z/data=!3m1!4b1!4m5!3m4!1s0x882b903aaa80fbbb:0xfa73e7e4c2c8ae3a!8m2!3d43.5420388!4d-80.3102394


CONTACT US

605 Woodlawn Rd W
Guelph, ON
131 Kincardine Road
Walkerton, ON
 * Toll Free
   (519) 507-2277
 * Email
   contact@legacyautocredit.ca

 * Welcome
 * Our Programs
 * Inventory
 * Financing
 * Testimonials
 * Collision
 * Privacy Policy
 * Contact Us

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 * Welcome
 * Inventory
   * Inventory
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 * Financing
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   * In House Program
   * Prime Rate Program
 * Reviews
   * Reviews
 * Contact Us
   * Meet the Team
   * Contact Us
 * Resources
   * Referral
   * Warranty
   * The-Complete-Guide-to-Buying-a-Car-with-Bad-Credit
   * A-Guide-to-Repairing-and-Rebuilding-Your-Credit-Score
   * Careers
   * Blog
   * Exchange Privilege





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