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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1Contact

2Address

3Personal

4Agreement

Specific Vehicle

Unit Price

Your Details

Salutation

First Name*

Last Name*

Phone*

Current Address

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Months Living at Address*

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Date of Birth*

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Disclosure & Privacy Notice

Attachments

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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  
  111 reviews on
 
 
         
   Lexie Carriere 
 2024-06-20
 
 
   Great experience! I am a first time buyer and dealt with Markie and his team. They were all  very nice and helpful and made sure my ends were met! I recommend going to Auto Excell!
  
 
 
       
   Abi Bratko 
 2024-06-18
 
 
   This was my first time buying a vehicle and I had ( mark tabelina ) as my salesperson he was very nice and had a great sense  of humor!  He made the entire experience so enjoyable! Right from the test drive to driving it home that same day!
The vehicle's they sell are very nice and very clean!!
They provide you with a full carfax report  and they even sent me home with a full tank of gas!
Hands down the best dealership I've visited...
for great prices awesome customer service and a smooth experience!
  
 
 
       
   Samantha K 
 2024-06-17
 
 
   I recently purchased my dream vehicle from Auto Excell, even though it originally seemed out of my price range. After a stressful experience with other dealerships, I was relieved to find Auto Excell. Markie, the salesman, was incredibly helpful, responsive, and friendly. Markie worked around the clock to help answer any questions I had, and even dropped off the keys after a workday to ensure I could pickup my vehicle sooner.  Kara, who handled my financing, was extremely knowledgeable and personable. The entire staff, including the receptionist, went above and beyond to help me throughout the process, despite multiple issues with the bank and cheque clearance.
I am overly pleased with the service I received at Auto Excell and express my gratitude to the staff for helping me secure my perfect vehicle. I won't be shopping for a vehicle anywhere else in the future and will be sending all of my friends and family who are looking to purchase a vehicle!
  
 
 
       
   Liz Beth 
 2024-05-21
 
 
   I got my first vehicle with Auto Excell. They understood what I was looking for and did there best to meet all my expectations. They went above and beyond any dealership I went to before finding Auto Excell made my life with a smooth process. Markie was my guy that helped me through the process and walked me through everything as it was my first vehicle purchase. It’s now been after a month of getting my first vehicle and Markie is always so helpful for any questions still tell this day. I wouldn’t recommend anyone else. I highly recommend if you’re in the market. Great Service.
  
 
 
       
   Dave Stubel 
 2024-01-25
 
 
   All staff, as well as the owner, at Auto Excell are fantastic. Easy to deal with! Help choose a vehicle and make a  deal the customer is very happy with, and they back up the vehicles! 5 complete stars for Auto Excell on Dugald road!
  
 
 
       
   C.T. Hots 
 2023-11-26
 
 
   Drazen was excellent. Went above and beyond his job and was professional and pleasant the entire way. If your looking to finance a vehicle this is definitely your guy!
  
 
 
       
   Robert Mihic 
 2023-09-21
 
 
   Extra,sve pohvale..posebno vlasniku Dadi..vjerovatno najbolja auto kuća u gradu..great
  
 
 
       
   axxii 
 2023-09-21
 
 
   The best auto dealer in the whole Canada!
  
 
 
       
   Linda Zacharias 
 2023-09-01
 
 
   Car shopping is definitely NOT on my list of favourite things to do, but Drazen made the experience very pleasant. He was very accommodating, by letting me take the car on a long test drive (including a stretch on the highway), and making sure I had everything I needed with the car (spare tire/jack). There wasn't a block heater, so they are installing that for me, for free, next month. Drazen is doing everything he can, even after the sale, to make sure I am satisfied, which I truly appreciate. If you are looking for a low stress and pleasant car shopping experience, this is your place!
  
 
 
       
   JP Lenshyn 
 2023-08-22
 
 
   Mark and Kara hooked us up with a top notch vehicle. No high pressure sales environment. Friendly and quick with great prices. Would definitely recommend.
  
 
 
  
 
  Load more

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.