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Low Interest Rate Vehicles For Good Credit, Bad Credit, Consumer Proposal And Bankruptcy Customers



Click 'Apply Now' to fill out your Contact information. One of our Credit Specialists will contact you quickly to collect simple information which includes vehicle preference and payment budget.

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Once we receive your application, our team will go right to work finding you the car that will fit within your budget. We'll then reach out to you quickly to give you vehicle options.

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You can drive away within a day or work with us to take your time. It's up to you! It's because of our super simple, easy process that will get you approved and driving in no time. 

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What Makes Us Different

The key difference lies in the experience. At a traditional dealership, financing is often the last part of your discussion. After you've seen a few models, asked a host of car questions and possibly test driven one, the dealer will help you explore payment options.

At Legacy Auto Credit, the process is reversed. Our credit specialist works with you, with no sales people involved, and we respect your time and budget because we can empathize with your situation. A credible Financial Services Manager will ask you a series of questions to understand your credit situation and take the time to understand your credit before showing you available cars. After they understand your situation, they'll show you cars that fit your needs and financial situation and provide advice to get you on the road to financial success.

We give you the opportunity to improve your credit. One of the ways to rebuild credit history is to make timely payments on an auto fincace. At Legacy Auto Credit, we actually report your vehicle payments to Equifax so you can establish or re-establish your credit. Over time, your credit score can improve.

July 7 2016

Good morning Wayne just wanted to let you know that I enjoyed my drive back to Oshawa in my "new" car. Such a nice smooth running vehicle. I already love it and my family feel that I (mostly you) made a good choice. Mostly I want to sincerely thank you for helping me through a most difficult time. You worked hard and diligently. I put my entire trust in you and you certainly didn't let me down. Please don't forget to put your business cards in the package as my son is looking for a vehicle. You come highly recommended. Thanks again. Liz