Is bad credit preventing you from getting an auto loan?

We’re here to help finance your next vehicle

Authorized Representatives of

Legacy Auto Credit provides solutions so you can get approved

Legacy Auto Credit works with people who have experienced financial difficulties in the past which is now limiting them from being approved for a vehicle loan. If you are being declined it is usually due to one of two things. Not enough income or too much debt.


Our Credit Helpers program provides debt solutions and credit rebuilding tools which helps reduce your debt and improves your ability to be approved for a vehicle

Getting you the right vehicle to restore your credit score

Legacy Auto Credit is proudly helping people with bad credit secure car loans in Guelph, Kitchener, Waterloo, Cambridge, Windsor, Sarnia, London, Woodstock, Hamilton, Niagara Falls, and surrounding areas.

Why choose Legacy Auto Credit?

What Makes Us Different

We Are The Bank

We have more flexibility to provide approvals because we offer in-house financing. That makes us different.

We Deliver

Now you can get our low rate in house financing anywhere in Ontario without having to leave your home.

Exchange Privilege

We're know you'll love your new purchase, if not, bring it back and we'll help you exchange it*. (*Some exceptions apply)

Credit Helpers

Resource for Free consultation with a certified counselor who will provide debt solutions, budgeting and credit rebuilding guides and tips.

Auto Finance in 3 Easy Steps!

Step 1

Apply Online

Our easy credit application will set you up with one of our Credit and Finance Advisors to begin the process of getting your credit approved.

Step 2


Our consultative approach to financing will assist in getting the best approval possible and show you how to improve your credit for the future.

Step 3

Drive Away or Have It Delivered

With our super simple process you can digitally* sign your documents and pick up your vehicle or have it delivered.

*(digital documents not available for all banks)


Yes, at Legacy Auto Credit we understand that a repossession is usually the result of an uncontrollable event or situation. Many of our clients have had a previous repossession or will be returning their vehicle to the bank when filing a bankruptcy or consumer proposal.
At Legacy Auto Credit we provide In-House Financing/Leasing. This means that we provide the funds and then you pay us back. We can look at your credit situation on a personal level and determine your ability to make payments even if you have bad credit. We make the final decision on the approval which results in more approvals and better rates. Our interest rates for Consumer Proposal and Bankruptcy customers start at 7.99% oac on new cars.
Yes, at Legacy Auto Credit our In-House program was created for bankruptcy and consumer proposal customers. If you are about to file or have already filed and are not discharged, you can still qualify for our low rate in-house program. We work with several trustees who see that we truly offer low rates and want you to succeed in rebuilding your credit. If you are about to file we will work with you to secure a vehicle before filing so that you can be confident in returning your current vehicle that has too much negative equity, has too high of payment or doesn’t suite your needs anymore. We also report your payments to Equifax which will help re-establish your credit score.

Yes, if you make your payments on time.  Legacy Auto Credit reports your payment history to Equifax monthly.  Over time with on time payments your score will increase.

We see many people that have been previously turned down due to several reasons which have included, poor payment history, not enough time on the job, too much debt and non-garnishable income.   With our In-House program we look at your income, expenses and debts that would be causing the turn downs and provide you with solutions to get you driving and rebuilding your credit.


Our Blog

Learn more about auto finance, bad credit auto loan, credit tips & tricks, DIY and the latest in automotive news.

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We're here to help

Our job is to help people with bad credit get auto loans at a price point and with rates they can afford. No matter your situation, it’s worth reaching out and speaking to one of our credit specialists.

Don’t let poor credit get in the way of living a better life.