Bad Credit Car Loans Hamilton | Bad Credit Car Loans Niagara Falls | Legacy Auto Credit

Is bad credit preventing you from getting an auto loan?

We Can Help

Step 1 : Select Vehicle


Begin your application by selecting a vehicle
I want a Truck
I want a Truck
I want a Van
I want a Van
I want a Sedan
I want a Sedan
I want a SUV
I want a SUV

Step 2 : Select Monthly Budget

Select Your Monthly Budget

By telling us how much you can afford we're able to match you with the dealer partner who best meets your needs. * Monthly budget is required

Step 3 : Select Birthday

Confirm Eligibility

When is Your Birthday?
Program eligibility in Canadian provinces and territories varies based on age.

Step 4 : Employment Status

Employment Status

What is Your Employment Status?
The status of your employment helps us determine the appropriate loan program for you.

Step 4.1 : Employment Details

Employment Details

Where Do You Work?
Occupation or Job Title
Company Name
These employment details help us improve your chances of getting approved for a car loan.

Step 4.2 : Monthly Income

Monthly Income?

Before Taxes or Deductions
Your income details show that you have the resources to make your monthly or bi-weekly payments, increasing your approval rate.

Step 4.7 : Employment Status V2

Employment Status

Select From These Other Income Sources
The status of your employment helps us determine the appropriate loan program for you.

Step 5 : Employment Length

Employment Length

How Long Have You Been Employed or Received This Income?
Providing the length of the time you have been receiving this income helps us better understand your employment situation, increasing the likelihood of you getting approved.

Step 6 : Address Details

Address Details

What is Your Home Address?
Available programs vary based on where you live. Please help us find the most convenient option for you by entering your home mailing address above.

Step 7 : Address Details (Own/Rent)

Address Details

Do You Rent or Own?
Your address details help us determine a suitable budget and loan amount that will maximize your chances of getting approved.

Step 8 : Address Details (Live At Current Address)

Address Details

How Long Have You Lived at Your Current Address?
Your address details help us determine a suitable budget and loan amount that will maximize your chances of getting approved.

Step 10 : Create Account

Almost Done

What is Your Name?
First Name
Last Name
Continue To Final Step
To complete your application and access your loan we need your basic information.

Step 11 : Complete Account

Your Contact Details
Email Address
Primary Phone Number
Get Approved
To complete your application and access your loan we need your basic information.

Step 12 : Thank You

Your application has been successfully submitted.
Thank you for reaching out to us! We will be contacting you within 24 hours.

Improve your Credit Score

Our goal is to transform our clients’ financial lives by improving their credit scores, allowing lenders and credit card companies to consider them low-risk. We achieve this goal by getting our clients into the right vehicle to restore their credit score.

Legacy Auto Credit offers:


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How is your credit?

Projected Payment

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We are committed to making you a long-lasting customer and friend.

  • My husband and I had an amazing experience dealing with Vic, and legacy auto credit. Helping us understand how credit reports work and how to improve it, and made us feel confident!

    Jennifer Boehm

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  • Victor was amazing! He was very thorough explain everything I needed to know and answered any questions that I had. He definitely went above and beyond to get me another vehicle. I would highly recommend going to see him if you are looking for another vehicle.

    Yvonne Phillips

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  • Vic was fantastic in getting me a car that I love and is reliable. If I could give more than 5 stars I would, he worked very well with my income as well!

    Madison Wilson

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  • Vic was amazing to deal with excellent communication through the entire process. Walked me step by step putting me into a car that was right for me! Thanks for all your help

    Carrie Wilson

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  • By far the best experience ive had buying a car was from this place! Everyone is very helpfulf! Vic was great with communication and keeping us up to date on the process and got us a car we wanted quickly without problems! Would definitely come back again

    Dylan Gouveia

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Can I get a car loan after a repossession?

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.

Will this help me build my credit?

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.

What is In-House Financing/Leasing?

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.

What if I have been turned down before?

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.

If I have filed a bankruptcy or consumer proposal, can I still qualify?

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.

Didn't see what you were looking for?

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.

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