Updated September 2026
Don't let bad credit stop you from getting the car you need. At Driving With Us, we specialize in helping Edmonton residents with poor credit, no credit, and even bankruptcy explore auto financing options. Lender review determines approval, rates, terms, down payment, and timing.
We work with 40+ lenders across our network. Available lenders and approval depend on your application and lender review.
Applying is free and does not require you to purchase a vehicle. A lender may require a credit inquiry before making a decision.
First-time buyers and newcomers to Canada welcome
Applications with lower scores are welcome for review
Options vary by status, lender, and current finances
Active and discharged proposals require individual review
Missed payments, collections, high balances, a past repossession, bankruptcy, or a consumer proposal may affect which subprime vehicle-financing programs an Edmonton lender will review. Current income, obligations, documents, down payment, and vehicle choice also matter.
A thin credit file is different from damaged credit. If this is your first vehicle purchase, see our Edmonton first-time car buyer guide for the documents and lender factors that may apply.
Complete our simple online pre-approval form. A financing specialist reviews your situation and walks you through your options before anything moves forward.
Browse the current marketplace inventory and choose a vehicle that fits both your needs and the proposed financing structure. Ask the team to confirm the location, condition, inspection information, and available history records for any specific vehicle.
Our finance team reviews lender programs that may fit your situation. Approval, rates, terms, down payment, and timing depend on lender review, income, credit, documents, and the vehicle.
There is no universal minimum score or guaranteed rate. Each lender applies its own criteria, and available options depend on the complete application.
A qualified co-signer or co-applicant may give a lender another income and credit profile to review. It does not guarantee approval or a particular rate. Both applicants are responsible for the debt, so each person should review the APR, term, payment schedule, total borrowing cost, and consequences of missed payments before signing.
A lower payment does not always mean a less expensive loan. A longer term can reduce each payment while increasing the total interest paid. Compare the vehicle price, down payment, APR, term, payment frequency, cost of borrowing, and total amount payable together.
Also budget for insurance, fuel, maintenance, registration, and any optional products you choose. Before signing, request the disclosure statement and make sure every cost and condition is clear.
The Financial Consumer Agency of Canada explains consumer protections and financing disclosures. For a personalized proposal, review the actual lender disclosure rather than relying on an advertised payment example.
Have two written offers? Compare their payment schedules and estimated borrowing costs side by side.
Requirements vary by lender and application. Submit sensitive information only through the secure process provided by the financing team.
Ask whether and how the selected lender reports payments to Canadian credit bureaus. Credit outcomes depend on your full credit profile and payment history.
Some lenders consider applicants with limited credit history. Available rates, terms, and down payment requirements depend on the lender and complete application.
Lender options may be available for newcomers without an established Canadian credit file. Identification, residency, income, and document requirements vary.
Applicants with a past bankruptcy or consumer proposal may be considered. Options depend on its status, current finances, documents, vehicle, and lender review.
Alberta buyers can review consumer guidance and verify automotive businesses through AMVIC.
If damaged credit is making vehicle financing difficult, our Edmonton team can review your application and discuss lender programs that may fit. Approval, rates, terms, down payment, and timing depend on lender review, income, credit, documents, and the vehicle.
A same-day response may be possible
Programs reviewed against your application
Honest, transparent service
Yes. Driving With Us Auto Market accepts applications from customers with low credit scores, past bankruptcy, consumer proposals, and limited or no credit history. Approval and terms depend on lender review of your income, credit, documents, and selected vehicle.
There is no single score that works for every lender. Lenders may also consider current income, employment stability, existing obligations, down payment, documents, and the vehicle. An application lets the financing team assess which lender programs may fit your file.
No. Bad credit generally means a credit file contains missed payments, collections, high balances, or other challenges. No credit or limited credit means there is not enough history for a lender to assess. The lender programs and documents considered may differ for each situation.
A qualified co-signer or co-applicant may affect the programs or terms a lender is willing to consider, but it does not guarantee approval. The co-applicant is also responsible for the debt and should review the complete agreement before signing.
A lender may require a credit inquiry to assess an application. Before proceeding, ask the financing specialist when an inquiry will occur, what consent is required, and whether it will be recorded as a hard inquiry.
You can apply, but available options vary by lender and may depend on whether the bankruptcy or proposal is active or discharged, your current income, documents, down payment, and vehicle choice. A financing specialist can review the details of your situation.
It depends. Some qualifying approvals may have a no-down-payment option, while others require money down. Requirements depend on lender review, income, credit, documents, existing obligations, and the vehicle.
A same-day initial review may be possible when the application and documents are complete. Final timing depends on lender review, requested documents, and vehicle selection. A response is not a guarantee of approval or funding.
Requirements vary, but lenders may request government-issued identification, proof of income or employment, proof of residence, and banking information. Only submit sensitive documents through a secure process requested by the financing team.
There is no application fee charged by Driving With Us Auto Market and no obligation to purchase a vehicle. Review any lender, financing, or optional-product costs disclosed for a proposed agreement before signing.
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