At Legacy Auto Credit, we concentrate on rebuilding our customer’s credit through low-interest auto loans.

In case your credit is preventing you against stepping into a trusted car, guide a free of charge assessment with certainly one of our credit specialists to begin with!

Boost your Credit History

Our objective is always to transform our clients’ monetary life by increasing their credit ratings, permitting loan providers and credit card issuers to take into account them low-risk. We accomplish that goal through getting our customers to the right automobile to restore their credit history.

Legacy Car Credit provides:

  • Low-kilometre automobiles, in order to drive a dependable car and make low payments
  • Industry-leading car loan prices — we’ll never charge you 20-30% prices like other creditors
  • 2-5 12 months term choices
  • Reports to Equifax, to make sure that your credit rating improves on the term
  • Detailed intends to allow you to reconstruct your credit
  • Partnerships with dealer teams, to offer a big collection of cars to generally meet your preferences
  • Expert staff to simply help with debt-restructuring through proposals and bankruptcy
  • Multi-point automobile inspections, in lowering the opportunity of unforeseen fix costs
  • 30 Time Change
  • Free Distribution

Step One

Apply On Line

Our simple credit application will obtain the process started with certainly one of our Credit and Finance Advisors.

Step Two


Our consultative method of funding will make suggestions through the credit rebuilding procedure which help you reconstruct your credit with a car loan.

Step Three

Drive Away

After your approval, you are able to drive away in your vehicle that time if you’d like! By way of our super easy procedure, we shall allow you to get authorized and driving right away, to get back into residing the life span you would like through rebuilding your credit.

Why Is Us Various

We’re The Financial Institution

Our company is an in-house funding company that lends our very own cash, and therefore causes us to be various.

Meet The Group

At legacy Auto Credit you are able to select whom works for you personally. Our non payment Credit and 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 rate that is low in funding anywhere in Ontario and never having to keep your house.

Exchange Privilege

We’re certain you’ll be satisfied with the new purchase, however in instance you’re not just take it back* and we’ll allow you to trade it for the right choice. (*Some exceptions use)

Find out more about automobile finance, bad credit auto loans, credit guidelines & tricks, DIY while the latest in automotive news.

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What the results are if we can’t obtain a motor auto loan.

What the results are if we can’t obtain a motor auto loan from a dealership there are numerous of explanations why somebody is probably not in a position to get car finance from the dealership. From bad credit never to being.

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Finding your way through christmas As you realize the xmas period has already been upon us. For most people this time around of the year means events, household gatherings, meals and celebrations that are many. Some individuals find this.

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Our company is dedicated to causing you to a customer that is long-lasting buddy.

My spouce and I had an incredible experience working with Vic, and legacy car credit. Assisting us comprehend exactly exactly exactly how credit file work and exactly how to boost it, making us feel confident!

Victor had been amazing! He had been extremely thorough explain every thing we had a need to understand and replied any concerns that I experienced. He definitely went far above getting me personally another automobile. I would personally recommend likely to see him if you should be interested in another vehicle.

Vic had been great in enabling me personally vehicle that I favor and it is dependable. If i possibly could provide a lot more than 5 movie stars I would personally, he worked well with my income too!

Vic ended up being amazing to manage exemplary interaction through the process that is entire. Strolled me detail by detail placing me personally right into a motor vehicle that was suitable for me! Many thanks for all of your assistance

Undoubtedly the experience ive that is best had purchasing a vehicle had been using this destination! Ereallybody is extremely helpfulf! Vic ended up being great with interaction and keeping us as much as date from the procedure and got us automobile we wanted quickly without issues! Would certainly keep coming back once more

May I obtain car finance after having a repossession?

Yes, at Legacy Auto Credit we recognize that a repossession is often the consequence of an uncontrollable occasion or situation. Quite a few consumers experienced a repossession that is previous will soon be going back their car into the bank whenever filing a bankruptcy or consumer proposition.

Will this help me to build my credit?

Yes, if you create your instalments on time. Legacy Auto Credit reports your re re payment history to Equifax month-to-month. As time passes with on time payments your score shall increase.

What exactly is In-House Financing/Leasing?

At Legacy Auto Credit we provide In-House Financing/Leasing. This implies that individuals offer the funds then you spend us right back. We are able to examine your credit situation on a individual level and determine your capability to create re re payments even although you have actually bad credit. We result in the concluding 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 new vehicles.

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

We come across many individuals which were formerly rejected because of a few reasons that have included, bad re re payment history, perhaps perhaps not sufficient time face to face, way too much financial obligation and non-garnishable earnings. With your In-House system we glance at your revenue, costs and debts that could be evoking the turn downs and supply you with methods to get you driving and rebuilding your credit.

I still qualify if I have filed a bankruptcy or consumer proposal, can?

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 assist several trustees whom see you to succeed in rebuilding your credit that we truly offer low rates and want. 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 if you are about to file we will work. We additionally report your repayments to Equifax which can help re-establish your credit rating.

Did not see just what you had been trying to find?

We’re Right Right Here To Greatly Help

Our task is always to assist individuals with bad credit get automobile financing at a cost point along with prices they are able to afford. Regardless of your circumstances, it is well worth trying and talking to certainly one of our credit experts. Don’t let credit that is poor in the form of residing an improved life.

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