Bad Credit Car Loans

Finance a Used Car with Bad or No Credit

Apply for Bad Credit Car Loans in Winnipeg

You still have options with a low or bad credit score.

We offer Bad Credit Car Loans and Credit Building opportunities in Winnipeg and surrounding areas. We have helped thousands of people with bad credit drive away in the vehicle they are looking for. With an inventory that has something for all tastes it can be easy for someone with bad credit in Winnipeg to drive away in confidence.

Car Loan Application

It takes a minute to apply...

No credit check until we know you'll be approved. Regardless of credit level, not all credit approved car dealerships will be able to give you the same deal. We have a large pool of lenders to allow us to offer the lowest rates possible.

The price is the price

Drive away with the car of your choice, regardless of credit score.

Save and buy a used car. Large inventory of Fully Certified used vehicles, includes Full Vehicle History Report.

Locally owned and serving Winnipeg, MB.

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4Agreement

Specific Vehicle

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Your Details

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First Name*

Last Name*

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Disclosure & Privacy Notice

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Do you have any file attachments to provide (void check, ID, pay stubs). This will significantly speed up the application and approval process. Drag them into the box below:

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Accepted file types: jpg, png, pdf, jpeg, gif, doc, docx, xls, xlsx, Max. file size: 4 MB, Max. files: 3.

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Consent*

I have read and agree to the Terms & Conditions below*

By checking this box, I consent to the collection, use and disclosure of my personal information as described in this paragraph. I agree that the personal information provided above may be used and disclosed by Auto Excell and/or its agents or service providers (collectively, the "Dealer") as necessary to obtain credit, financial and related personal information (including a credit or consumer information report) about me from any credit bureau or credit reporting agency, and to advise me on credit availability in connection with product and/or service purchase financing. I further agree that the personal information provided above may be disclosed to the provider of Dealer’s website hosting or related services for the purpose of enabling Dealer to access my personal information for marketing purposes. Personal information I provide and credit information obtained may also be retained by Dealer and used to facilitate the application process should I subsequently choose to apply for credit through Dealer.

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PRIVACY: Data provided in our application or contact forms is deleted within 24 hours of our daily review. Applicant information is not stored on AutoExcell.ca

Bad credit isn't a deal breaker.

The difference between regular “car loans” and “bad credit car loans” is the amount of lenders who will provide you a personal loan. You may still be able to get a personal loan from a bank with bad credit, but you risk committing to a higher interest rate when there are lenders with much lower rates available.

Our experience with lenders

We have decades of experience working with a large pool of lenders that will often look past low credit scores. Our lenders are ultimately focused on your ability to make regular payments at fair interest rates and provide thousands of bad credit car loans throughout Canada.

If you’re not sure and have questions, feel free to email or call us and speak to one of our friendly and knowledgeable loan specialists! Apply for bad credit car loans Canada guaranteed approval at Auto Excell.

Application process for car loans:

Real Google Reviews from Local Customers

Thank you for choosing Auto Excell!
We enjoy helping people save on quality used cars.
Here are real reviews from real people in and around Winnipeg.

     GOOD  
     Based on 121 reviews 
    
 
 
   
 
 
        
   matthewjets 
 
 
 
 Trustindex verifies that the original source of the review is Google. I bought a car here. They help me very good with bad credit. I recommend buy a car here.
  
 
       
   Roland Zinn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Love the atmosphere, great people .Mark and the rest are great to deal with recommend auto Excell to anyone looking for good used vehicles
  
 
       
   Giselle Land 
 
 
 
 Trustindex verifies that the original source of the review is Google. We love our new traverse, always wanted an Traverse and lucky to came across this site,
Very spacey for my daughters

Thanks to AUTO EXCELL for this traverse and for my daughters and I, love it very much,
I recommend this to whoever reads my review
  
 
       
   Janelle Powers 
 
 
 
 Trustindex verifies that the original source of the review is Google. Markie was so easy to work with and made this process actually enjoyable. No buyers remorse here!
  
 
       
   Adam Brydges 
 
 
 
 Trustindex verifies that the original source of the review is Google. I work long hours making it hard to get a car. Drazen made this seem less and easy. Helped to get me a deal that works with my budget.
When you have any issues he fixes them right away.
10/10 would recommend going to see him and his team. They won’t do you wrong.
(Partner even thinks they are great and they work in the automotive industry).
  
 
       
   VInce Cornejo 
 
 
 
 Trustindex verifies that the original source of the review is Google. People at Auto Excell are always friendly and were a great helping me find a car perfect for me, appreciate all the help!

Update 2024: I just bought my second car from here. Auto excell helped me every step to insure I was getting a great deal so my new family will have a safe comfortable ride that can fit in our budget. Will always recommend coming here for the best experience. Thanks again!
  
 
       
   Denis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bought a van from Auto Excell and am extremely happy! Recently the owner (Drazen) sold me front tires installed and fixed back tire for free! Upfront, direct, polite and hospitable was my experience with Drazen and staff! Will be back for sure!!!

Those seeking bad credit car loans Winnipeg and surrounding areas have options to choose from. Our team of specialists carefully look at every situation on a case-by-case basis and determine if you will be approved by any of our lenders before a credit check. We offer the best car loans for bad credit Canada-wide.

We offer a friendly, convenient, and transparent experience for anyone with bad credit looking for a great deal on used cars in Winnipeg.

Questions About Bad Credit Car Loans

Can I get a car with a 500 credit score?

Yes!

Factors like down-payment amount, having a co-signer, and existing vehicle trade-in value can each reduce the lender’s risk on a bad credit loan.

Will a dealership finance me with bad credit?

Sometimes things happen in life that affects our credit in a negative way. We understand that every person and every situation is unique. We believe everybody deserves a second chance. Most of us have experienced hard times leading to a low credit score but that does not make us bad people! No matter what your credit situation is, we will find a way to get you an auto loan here in Winnipeg!

What is the lowest credit score for car loan?

Normally you’ll need 600 or higher credit score to get approval for an automotive loan. Credit score requirement differs lender-to-lender. Thankfully we offer car loans and consultation for those with bad or no credit.

Is getting a car loan with bad credit and no cosigner possible?

Yes!

Getting bad credit car loans with bad credit and no cosigner is still possible. Down-payment amount and/or existing vehicle trade-in value can reduce the lender’s risk on a loan application.

Does it cost me anything to apply?

No! There is no cost to fill out our online car loan application. There is no risk or cost to you.

Does applying impact my credit?

When you apply for any loan it does affect your credit rating. Some companies will send your application to all of the banks “hoping” one will approve you. This means your credit is pulled 5-10 times which is not good! (Lowers your Credit score by 5 points every time). After carefully reviewing your information, we contact you, find out the details of what has happened in the past so as to submit you to a auto finance lender that will approve you!

Let’s commit to improving your credit score together. If you need a used car don’t let bad credit hold you back.

Get a bad credit car loan approved today from the best used car dealership in Winnipeg!

Bad Credit Loans Made Easy

Getting a car loan with a bad credit score can seem like a difficult task. That’s why our friendly and knowledgeable team is ready to assist you. We’ll do our best so you can drive the vehicle you want while building credit.

What are the benefits of a bad credit loan with Auto Excell?

We can help you and your family get bad credit auto loans in Winnipeg with our auto finance team and their expertise. Auto Excell has access to many lenders that all want to make finance deals!
Not only can we get you a bad credit auto loan but we can help you rebuild your credit. As your payments come in it will be recorded giving your credit rating positive feedback! Let us help you build your credit back up today!
Our staff has access to thousands of vehicles ready to be sold and can find you any vehicle you are looking for with plenty of great deals on used cars in Winnipeg, inspected and ready to go.
We can ship across Canada! Do you live in a remote community and want to get a bad credit car loan? No problem. We have the ability to get it to you!
We have high approval rates when it comes to applying for bad credit auto loans in Winnipeg, take a look at the feedback from several happy customers

Winter Tire Financing Available

We’re a participating retailer of the Manitoba Public Insurance Winter Tire Financing Program.