Can you get a car loan with bad credit and no cosigner in Ontario? It's possible, O.A.C. — never automatic. This guide covers what lenders look at when it's just your own income and credit on the application, the practical steps to apply on your own, when a cosigner still helps, and how Legacy approaches approvals through its lending partners and its own in-house lease, a lease with a purchase option. No one can promise approval for every person.