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Bad Credit Car Loan Oshawa
Live in Oshawa and need a car? Call 411 Drives and we will get you approved.
Bad Credit 
No Credit 
New Credit 
Collections 
Bankruptcy 
Get a car loan in Oshawa with our 98% approval rate
Do you need to commute to work and require a vehicle to do so? Or do you own your own business and need a special kind of truck or van to operate? 411 Drives is a leading financing partner in the area when it comes to bad credit car loans in Oshawa.
Are you a student at Durham College and need to commute on Simcoe St N to school weekly? We have a wide variety of great vehicles and we can get you approved. You can also tell us your favourite car and we will source it for you. If you have messed-up credit — whether it’s missed payments, collections, or bankruptcy — we can make it happen. We will get you a bad credit car loan in Oshawa.
Oshawa drivers deserve clear options without the runaround. Our team reviews your unique situation, matches you with lenders who look beyond a single credit score, and helps you drive away with a payment plan that fits. From first-time buyers and new Canadians to drivers rebuilding after a consumer proposal, we’re here for Durham Region.
For a bad credit car loan in Oshawa, get approved now by calling us directly at 905-666-5369, filling out our online car loan application, or visiting us anytime at our Durham location — 1050 Dundas St E, Whitby, ON L1N 2K2.
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Fast service, competitive rates, same-day approval options, and a secure application process.
Fast Services 
Competitive Interest Rates 
Same Day Approval 
100% Safe & Secure How does it work?
Three simple steps from application to approval.
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A Quick Phone Call Back!
One of our finance specialists will contact you and help you review which lenders we work with to benefit you and your unique situation.
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You're Approved
We match you with the solution that best fits you!
You're pre-approved and ready to shop for your vehicle because we have already matched you with the right loan.
Trusted by 15+ top Canadian lenders
Start your Oshawa application
Apply online and a finance specialist will contact you to review the lenders that fit your situation.
Frequently asked questions
Oshawa Bad Credit Car Loan FAQs
Our approval rate is 98% and with that we can get your approval for an auto loan. Just follow our simple three-step process and get your dream car today!
Yes — if you see a car on a lot that you want, we can get your approval for financing and facilitate the purchase for you. Just let us know which car it is and get approved with our loan process.
411 Drives offers more than just financing. We can assist you if you are looking to lease, buy a vehicle outright, or if you found a vehicle that you need funding for.
Although we have many $0 down options available, a down payment has its benefits. It can help lower your monthly payments as well as demonstrate to lenders that you are serious about making this commitment.
You must be 18 years of age or older; have 2 forms of valid photo ID (Driver's License, Passport, Social Insurance, etc.); and proof of income (paystubs, Notice of Assessment, T4, bank statements, ODSP & pension documentation, etc.).
The amount that you are pre-approved for depends on multiple factors. After you have submitted your auto loan application, a finance specialist will contact you to discuss the details of your pre-approval.
Bad credit car loans in Whitby are our specialty. With our 98% approval rate, we can get you into a vehicle today!
Oshawa drivers — get approved today
Durham College students, local workers, and business owners welcome.