You don't need to figure out financing before you find a vehicle.
At Legacy Auto Credit, the two happen together. Browse our inventory, find something that fits your life, and we'll pair it with a payment plan built around your budget.
Why Our Vehicles Are Different
This is the part where a lot of dealerships say something like 'quality you can count on' — and leave it there. We're going to be more specific than that, because you deserve to know exactly what you're getting.
Ontario Safety Standards — Every Vehicle
Every vehicle we provide meets Ontario safety standards, with at least half the life left on the tires and brakes. That gives you the reliability you need while you're rebuilding. That matters more when a breakdown isn't just an inconvenience — it's a missed shift or a missed appointment.
Reconditioned Before It Reaches You
Before any vehicle goes into our inventory, we check its mechanical condition, safety systems, and overall reliability. If something needs to be fixed before it meets our standards, it gets fixed. If it can't be brought up to standard, it doesn't make the cut.
Part of the Walkerton Toyota Family
Legacy Auto Credit is part of the same automotive group as Walkerton Toyota. That connection means access to higher-quality inventory, dealer-level reconditioning, and vehicles we stand behind.
The 5-Day Exchange Privilege
Had it delivered without a test drive? If it doesn't feel right — wrong size, something just isn't working — exchange it within 5 days or 500 km of delivery. You won't be stuck in a vehicle that doesn't fit your life. Some conditions apply, and we'll explain them clearly before you sign.
AWD When You Need It
We know Ontario winters. We prioritize AWD and 4WD variants for drivers across Grey, Bruce, Huron, and surrounding counties where winter road conditions make all-wheel drive a practical necessity, not a luxury upgrade.
Whatever your life requires, we carry it.
Browse First. Or Get Approved First. Either Works.
Not sure whether to look at vehicles first or talk financing first? Good news — it doesn't matter. You can start either way.
Either way, the process is the same: a real conversation with a real advisor, an honest look at what works for your budget, and a vehicle matched to your life — not just what's sitting on a lot.
We deliver across Ontario. Most of the process — application, approval, document signing — can be handled from home. Once the paperwork is done, we bring the vehicle to your door.
You Don't Have to Come to Walkerton
We deliver from Windsor to Ottawa and Niagara Falls to Sudbury, including Kitchener, London, Hamilton, Barrie, the GTA, Kingston and dozens of towns and communities in between.
Zachary Wood
"Dealing with Ashley was an incredible experience. She was very informative and helpful in finding my new vehicle. And David, who delivered the vehicle, exceeded expectations on delivery."
Carrie Lalande
"This was my second vehicle I got through Legacy. Vic called me on a Monday to let me know my lease was up in three months. By the Friday I had picked my new car and the following Thursday it was delivered to me. Love how smoothly everything went."
Sabrina Edwards
"Amazing service — Ashley Zavitz was awesome. Everyone at Legacy Auto made me feel welcome. I wasn't judged. This car buying experience went very smoothly. I'll definitely buy another vehicle from them."
Inventory Questions
Can I finance any vehicle in your inventory with bad credit?
In most cases, yes, O.A.C. Because we lease our own vehicles, we're not limited by a bank's vehicle requirements. We'll look at the vehicle alongside your budget and tell you exactly what's possible. Some vehicles may require a down payment depending on your situation — we'll be upfront about that before you commit to anything.
What if I don't see a vehicle that fits my needs?
Tell us what you're looking for. Through our dealer network and our connection to Walkerton Toyota, we can source vehicles that aren't currently on our lot. Give us your requirements — type, size, budget, important features — and we'll find options for you.
How often does your inventory change?
Regularly. Vehicles come in and move quickly. The inventory pages show what's currently available — but if something you're interested in is no longer listed, it's worth reaching out. We may have something similar coming in, or we can source it.
Are the vehicles inspected before sale?
Yes. Every vehicle meets Ontario safety standards, with at least half the life left on the tires and brakes. We're part of the same automotive group as Walkerton Toyota, which means we apply dealership-level reconditioning standards. We don't put vehicles on the lot that we wouldn't put our own families in.
What's the 5-Day Exchange Privilege?
If your vehicle was delivered without a test drive and it isn't right — wrong fit, something just isn't working for you — you can exchange it within 5 days or 500 km of delivery for another eligible vehicle. No runaround. We'll walk you through the specific conditions before you sign.
Menu
Contact Us
Tel. (519) 507-2277
contact@legacyautocredit.ca
131 Kincardine Road Walkerton, ON
