Bad things happen to good people and we want to help the good people get back to mainstream banking and prime rates.
Contact Us

Our Program is designed to make it easy for you to get into a new vehicle today! 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.

Be Approved

Once we receive your application, we begin by working with you to confirm affordability by helping you establish a monthly budget. This will ensure you are able to make the payments and your other monthly obligations so you do not damage your credit further. We’ll then reach out to you quickly to give you vehicle options based on your needs and preferences.

Drive Away

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 process that we can get you approved and driving in no time. Enjoy taking care and control of your finances while getting into a new vehicle from Legacy Auto Credit!

Tailored For People with Credit Challenges, Consumer Proposal and Bankruptcy

Our In-House program is built specifically for people who are dealing with credit issues that have required them to file a Consumer Proposal, or Bankruptcy. We also assist people that have no credit rating or a damaged credit rating due to missed payments, repossessions and judgements. 

Program Overview
The Legacy Auto Credit Process
We Will:
  • Review income and expenses to determine manageable payments
  • Review your employment and residence history past 3 years
  • Review current debts (secured and unsecured) and your plan to deal with the debts
  • Review vehicle requirements
  • Select vehicle based on requirements and payment
  • Proceed with documentation and vehicle delivery
  • Provide financial literacy information to assist with rebuilding credit for future financial decisions and money management ideas
  • Report your payment history to the Credit Bureau
You Will:
  • Make all scheduled payments
  • Maintain the vehicle
  • Rebuild your credit by following our Credit Recovery Program
  • Qualify for Prime Rate Financing at the end of your term
We Make It Easy to Get a New Vehicle!
The Benefits of
Legacy Auto Credit
  • We only offer vehicles with low Km’s which allows you to drive a reliable vehicle at a low payment
  • All clients will get the lowest possbile interest rates – No outrageous 20%-30% rates here!
  • Term options 2-5 year
  • Multi point vehicle inspection helps reduce the chance of unexpected repair costs
  • Legacy Auto Credit is a part of an automotive family that owns Toyota and Hyundai franchises.
  • 3 locations provide large selection and ability to source a vehicle that will suit your needs in your payment range.
  • Staff with past experience in debt restructuring through proposals and bankruptcy (we understand your situation)
  • We will work with your budget to ensure you can afford your monthly obligations. If you don’t have a budget we will assist you with one.
  • We report to Equifax, improve your credit rating over the term.
  • We provide a plan to rebuild your credit
Get Started Today!
Fill out our online application form to begin rebuilding your credit today!