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.

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


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.

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!

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.


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.

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

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!

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.

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

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.

Auto Excell Used Car Sales Winnipeg

Application process for car loans:

Customer Reviews

We enjoy helping people save on quality used cars.
Here are real reviews from real people in and around Winnipeg.

97 reviews on
Ivan Polanco
Ivan Polanco
Great service and very supportive
Gurpreet Singh
Gurpreet Singh
Very fast and smooth process for financing . Drazen helped me a a lot throughout the process and got my car approved in 2 days. I would recommend Auto Excell especially for people having bad credit.
Serge Paul
Serge Paul
I had never bought a car from a used car dealership until now! It was a great experience. Drazen was my salesperson and was extraordinary. He made me feel comfortable and explained to me every step of the process. I felt heard, as I explained to him my situation and what I was looking for. The Jeep I was looking at online had just sold, but it was a blessing in disguise, as the Buick he showed me had everything I wanted and more. He stayed in my price range and found a vehicle that fit all of my needs. Thanks again to Drazen and the Auto Excell team as they were all very welcoming, kind and experienced. Make sure to check out Auto Excell before making any big car purchase decision, the are the best!
Ikechukwu Igwe
Ikechukwu Igwe
Auto Excell gave me an amazing experience from my first call and visit. All the staff understands what customer service is and strive to make sure you get the very best cars from them. I must commend Markie, amazing guy. I love the Jeep Cherokee North I got and would recommend anyone and everyone to go get their cars from Auto Excel.
Robert Mihic
Robert Mihic
Extra,sve pohvale..posebno vlasniku Dadi..vjerovatno najbolja auto kuća u gradu..
kristin norris
kristin norris
Bought a truck here for my husband had a great experience staff was super helpful and friendly
I recently bought a truck from Auto Excell and Kara was a really big help had all the paperwork ready to go where all I had to do was sign the paperwork and drive it away. The process was really fast thank you Auto Excell and Kara I am very happy with my new truck would definitely recommend

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?

Winter Tire Financing Available

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