Bad Credit Car Loans in Winnipeg

You still have great 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.

Bad Credit Car Loans - Auto Excell - Used Cars in Winnipeg

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

Bad Credit Car Loans - Auto Excell - Used Cars in Winnipeg
Used Car Loan Questions


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!


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. Don’t let bad credit hold you back.

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

One Day Into Bankruptcies Accepted

We accept applicants that are one-day into bankruptcy

One Day Into Consumer Proposal Accepted

We accept applicants that are one-day into consumer proposal agreements

o Credit Checks (singular credit check required when pre-approved)

No credit check until guaranteed pre-approval

Bad Credit Car Loans - Auto Excell - Used Cars in Winnipeg

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Bad Credit Loan Application

It takes a minute to apply...
No credit check until we know you'll be approved.
Drive away
with the car
of your choice,
regardless of
credit score.
PRIVACY: All 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.

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!

Bad Credit Car Loans - Auto Excell - Used Cars in Winnipeg
Application process for bad credit car loans:
  • Fill out the bad credit car loans application or call us at 204-888-4070
  • We review your application details
  • We negotiate for your auto finance approval with our finance partners
  • You pick the vehicle of your choice
  • Drive away HAPPY and build credit
Auto Excell IconAuto Excell

1399 Dugald Road, Winnipeg

4.4 92 reviews

  • Avatar Marc Boudreau ★★★★★ 4 years ago
    We purchased a beautiful BMW from Auto Excell! The buying experience was so pleasant and easy. The staff Kara, Drazen and Chloe were so nice and friendly we honestly … read more felt like we had known them our whole lives! Never felt any pressure to buy but once we found what we wanted the process was so easy! I would recommend Auto Excell to anybody looking to buy a luxury used car! Great people!!!!
  • Avatar Brad Johnson ★★★★★ a year ago
    Friendly engagement and instant responses to inquiries and questions. You're made to feel you're part of the Team, while they endeavor to fulfill your … read more requests.Exceptional customer service focused on my specific needs and requirements.Great pricing, Finance options and quality vehicles. NO duds here!! All the stock I looked at was in pristine condition.Came away with a great deal, an amazing vehicle and a rewarding customer experience. I will definitely be coming back for my next vehicle.Highly recommend!!!
  • Avatar Elizabeth Santos ★★★★★ 9 months ago
    If you’re looking for a vehicle speak to Mark! He is professional, accommodating, honest, and I’m really happy with the car I bought from here. Great customer service … read more overall, I will be recommending family + friends 🙂
  • Avatar van kruse ★★★★★ 10 months ago
    A huge thank you to Drazen and everyone at Auto Excell for making it so easy to purchase a car. We have now purchased 3 vehicles from them and the process has been … read more worry free every time even after the sale. Example when I purchased my first vehicle, Drazen had noticed that there was a hole in my front bumper just prior to me picking up the vehicle. So when I arrived he let me know and had already arranged to have a new bumper put on at no cost to me, all I had to do is arrange it with his body guy. I highly recommend that if your looking to purchase a used vehicle this is the place to go. Thanks again to Drazen and his team! You guys are the best !!
  • Avatar leroi63chevy ★★★★★ 9 months ago
    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 … read more 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?
Bad Credit Car Loans - Auto Excell - Used Cars in Winnipeg
  • 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.