driveonapprovals

Approved when others say no

Get Approved for a Car Loan — Whatever Your Credit

Ottawa & Ontario drivers: fill out the form below to see your options. All credit situations welcome, and getting pre-qualified won’t affect your credit score.

✓ 3-minute form ✓ Any credit welcome ✓ Won’t affect your credit score

Start your pre-qualification

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Thank you for your response. ✨

Thanks! You’re all set — a DriveOn financing specialist will reach out shortly with the options you qualify for.

First and last name

Phone number

What are you looking to drive?

Employment status(required)

Employed Self-employed Retired / Pension

Monthly income (CAD)

How long have you earned this income?(required)

Less than 3 months 3 months – 2 years 2 years or more

Employer

Job title

Home address (street, city, postal code)

Date of birth (YYYY-MM-DD)

Status in Canada

Common questions

Can I get a car loan with bad credit in Ontario?

Yes. DriveOn works with lenders who approve Ontario drivers across every credit situation — including past bankruptcy, consumer proposals, and no credit history. Your credit score is one factor, not the whole picture.

Will applying affect my credit score?

No. Getting pre-qualified through this form is a soft inquiry and does not affect your credit score. A hard inquiry only happens later, with your permission, if you choose to move forward with a specific loan.

How much income do I need to qualify?

Most approvals require a minimum monthly income of about $2,500 CAD from employment or self-employment, plus at least three months of income history. Every application is reviewed on its own merits.

Can newcomers to Canada get approved?

Absolutely. DriveOn regularly helps newcomers, permanent residents, and work-permit holders finance a vehicle — even with little or no Canadian credit history yet.

How fast can I get approved?

The form takes about three minutes. A DriveOn financing specialist typically follows up the same business day with the options you qualify for.

Serving Ottawa and drivers across Ontario with auto financing for every credit background — near-prime, credit rebuilding, and newcomers to Canada. Your information is encrypted and never sold.