Prime Rate Program


Get the vehicle you want with the Prime Rate you
have worked hard to achieve.


We deal with a number of Prime Rate Lenders and the current
lowest fixed rate of 4.23% oac. on Used Vehicles

Contact Us

Our Program is designed to get make it easy for your 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.

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!

Get Into A Brand New Vehicle

from one of our Affiliated Dealerships!

Guelph Toyota

635 Woodlawn Road West

Hyundai Of Goderich

619 Bayfield Road

Walkerton Toyota

131 Kincardine Road

We Make It Easy to Get a New Vehicle!

Low Interest Rates

All clients will get the lowest possbile interest rates - No outrageous 20%-30% rates here!

Simplified Process

Simple application process and quick internal approval process!

Quality Vehicles

Large vehicle selection of newer models with factory warranty!

Financially Practical

All upfront costs are minimal and fully disclosed! No need to worry about hidden fees.

The Benefits of

  • 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 possible 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!