The Bad Credit Car Loan Program

Everyone deserves a car. Our program is built specifically to help Canadians get approved — regardless of credit history.

Get Approved →

BUILT FOR EVERY SITUATION

Approval, not judgement

All credit accepted

Good, bad, or no credit at all — every application is considered on its own merits.

Same-day approvals

Apply in 60 seconds and hear back fast — many customers are approved the same day.

No SIN required

You can start your application without a Social Insurance Number.

Bankruptcy & proposals OK

Discharged, active, or in a consumer proposal — we still have options for you.

Newcomers welcome

New to Canada with little or no credit history? We work with newcomers every day.

$0 down options

Ask about low- and zero-down programs to get you driving sooner.

SIMPLE REQUIREMENTS

What you’ll usually need

Approval looks at more than a credit score. In most cases, that means you’re the age of majority in your province, have a steady source of income, and hold a valid driver’s licence.

Have questions about your specific situation? A specialist can walk you through it — no obligation.

Talk to a specialist →

Age of majority in your province
A steady source of income
A valid driver’s licence
That’s it — apply in 60 seconds

Your approval starts here.

Free, no obligation, and it won’t take more than a minute.

Get Approved Now →

Please read these terms and conditions of use carefully before using this web site.

Your use of thecarsource.ca depends on your acceptance, without modification, of the following terms and conditions (the "Terms and Conditions"). By using thecarsource.ca you accept these Terms and Conditions.

Modifications of the Terms and Conditions

thecarsource.ca may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the thecarsource.ca web site. Your continued use of the thecarsource.ca website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.

How We Work

When you submit an application to thecarsource.ca (the "Application") we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you.

Authorization

By submitting an Application to thecarsource.ca, you certify that all information which you provide in the Application is true and complete and you authorize thecarsource.ca or our agents or affiliates to:

obtain any and all credit information concerning your Application from any sources which thecarsource.ca deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing a d facilitating your Application.

You can withdraw your consent to being contacted by thecarsource.ca at any time by notifying us at info@thecarsource.ca or by using the unsubscribe option on any of our electronic messages.

Links

thecarsource.ca does not warrant the authenticity or reliability of the websites linked to the thecarsource.ca website and is not responsible for the contents of any linked website. The inclusion of a link on the thecarsource.ca website does not constitute endorsement of the linked website by thecarsource.ca. Use of any such linked website is at the user's own risk.

Minors

This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the thecarsource.ca website, or any services provided in conjunction with the website, under the supervision of an adult. thecarsource.ca does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.

Restricted Access

In its sole discretion, in addition to any other rights or remedies available to thecarsource.ca, and without any liability whatsoever, thecarsource.ca may at any time, without notice to you, terminate or restrict your access to any component of thecarsource.ca.

Governing Law

This use of the thecarsource.ca website and any claims against thecarsource.ca shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of thecarsource.ca website and these Terms and Conditions.

Privacy Policy

Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe ("Privacy Policy").

thecarsource.ca is committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with thecarsource.ca. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the thecarsource.ca website and through any interactions with you.

Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the thecarsource.ca website.

Personal Information

Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns.

Examples of personal information thecarsource.ca may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the thecarsource.ca website and services.

Collecting Personal Information

thecarsource.ca will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. thecarsource.ca will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.

Using and Sharing Personal Information

thecarsource.ca may use or share your personal information and Application to:

obtain any and all credit information concerning your Application from sources which thecarsource.ca deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.

Protecting Your Personal Information

thecarsource.ca protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.

Sharing Your Personal Information

When your personal information is transferred to or shared with a third party, thecarsource.ca requires the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their contracts with thecarsource.ca to maintain your confidentiality and may not use your information for any unauthorized purpose. If thecarsource.ca is required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required.

Retaining your Personal Information

Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.

Contacting You

By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

Accessing your personal information stored by us

You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at the address provided in the "Contact us" section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request - for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Responding to Privacy Concerns or Complaints

thecarsource.ca will respond in a reasonable time to your questions, concerns and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concern you have regarding the handling of your personal information.

thecarsource.ca has designated a privacy officer ("Privacy Officer") who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing, and sent by email to info@thecarsource.ca.