Bad Credit Car Loans

Finance a Used Car with Bad or No Credit

Car Loan Application

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.

Frequently Asked Questions

Application Process

Which vehicle are you interested in financing?

What is your contact information?

What is your current address?

How many months have you been living at this address?

Marital Status

Date of Birth

Gender

SIN

Legal Consent

I consent to receive Commercial Electronic Messages (CEM Consent Information) regarding my application.

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.

Privacy Guaranteed: Your application is sent using secure cloud-based email. Absolutely zero applicant information is stored on our website. We also do NOT resell or use your provided information. It is only used to apply for this financing application and to communicate with you about your application and vehicle information.

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.

Bad Credit Car Loans Winnipeg - Get Approved with Bad Credit

Application process for car loans:

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!

Used Cars Inventory

FAQ

Apply for Financing

Bad Credit Car 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 our feedback from several happy customers

Customer Reviews

We enjoy helping people save on quality used cars.
Here are our Google Reviews from people in and around Winnipeg.

      
   Auto Excell
   232 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Tyler Shorting 
 
 
 
 Trustindex verifies that the original source of the review is Google. Purchased an escape from the team at auto excell beginning of June. Vehicle has been great so far! Very accommodating and helpful people over here. Shout out to drazen, go say hi if looking for a vehicle. Got a great warranty as well. Thanks again auto excell!
  
 
      Posted on Google  
   
   Mark Klapschinsky 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Sonia McCarvill 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our experience did not start well. Oddly, our car was an anomaly and had an engine issue. AE took the car back, got it fixed and provided us another car to drive.  I love my new to me Escape!

Owner's reply
It was a pleasure meeting you and your husband and thank you for your business Sonia and we appreciate you supporting our business
  
 
      Posted on Google  
   
   RC 
 
 
 
 Trustindex verifies that the original source of the review is Google. This is a 5-star review for a car dealership that strives to do business with “excellence”, the business name is just bang on!.  Honestly, this dealership surpassed my expectations, and I am no newbie to the car business.  Firstly, the dealership set up: impeccable offices, modern and welcoming environment, even the shop in the back is well kept and unbelievably tidy.  Secondly, the business transaction:  viewing and test-driving a vehicle was pleasantly handled by Scott who was very helpful answering all questions.  Once I chose the vehicle, the transaction was fast and seamless and at no point did I feel pressured in any way towards a particular vehicle or product.  I appreciated that my business transaction was handled by Drazen himself (the owner).  Drazen is trustworthy and his professionalism and business experience made my deal a breeze.  Third, the vehicle purchased: clean title, local vehicle, Carfax provided, fair price compared to market value, detailed to perfection, and mechanically totally worth it.  My experience: the first time I walked into Excell, I had not decided what vehicle I wanted.  I was there just to check out a vehicle advertised and I had never been to Excell before.  Within a few hours after talking to  staff and chatting with the owner I knew that was a company I would want to buy a car from (reading the positive reviews was just a bonus). Everyone I encountered inside the building the few times I visited Excell was friendly and eager to help in any way they could, even after I had purchased the vehicle.  You can tell that the staff at Excell enjoys the workplace and love what they do.    Realistically, you cannot expect a used vehicle to be perfect, no matter how low kms or how new it looks, it is still a used car! but Drazen and his team have gone above and beyond to ensure that my vehicle drives and looks as close to new as it can be, and If I expected anything more, then it would have to be a brand new one!  Thank you Drazen and your team behind the scenes, for a pleasant successful car buying experience.  I hope many future customers will also benefit from how you excel at serving your customers and the way you conduct your business.

Owner's reply
We really appreciate kind words and we really appreciate your business . I am glad your experience with us is in a positive aspect . In my name and in the name of my staff we appreciate your review and we appreciate you supporting our small local business . Please come see us anytime for any personal or business needs , we wouldn’t be where we are with our great people like yourself Thank you Drazen
  
 
      Posted on Google  
   
   AstroBoy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Auto Excell excellerated me into a vehicle of my liking. Friendly family atmosphere. Lots of options for vehicles of a person's liking. Much Love 💜
  
 
      Posted on Google  
   
   Brandon Scott 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Chris Shukuru 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hello neighbours and friends welcome to Auto Excell they have a good still there and great people They are very excellent people last month. I bought my car from there. They give me for a great price and one or two months free maintenance. There’s very very excellent people welcome everybody on this place Auto Excell mission Street.

Owner's reply
We appreciate your kind words and your your business please come and see us when ever you are in neighborhood Thank you 🙏🏻