We’ll Help Find the Vehicle That’s Right For You

We believe that everyone deserves to find the car they are looking for, regardless of any possible credit challenges they may be facing. With Approval Genie, bad credit won’t keep you from getting the car loan you need. We'll help you find a car that not only meets all of your personal and lifestyle requirements, but fits within your budget and at the best interest rates Canada’s banks have to offer.

We have a wide variety of vehicles for you to choose from. We offer a selection of thousands of new, safe and certified used vehicles of every make, model, price and purpose. From cars and SUVs to trucks and vans, we have over a 90% approval rate and get our customers approved regardless of their credit situation. For over 10 years, we’ve proudly served more than 500,000 Canadian customers by offering a huge selection of safe and reliable vehicles with low mileage, at some of Canada's lowest car loan rates at 8 locations in Ontario and Quebec. We also have access to a large dealer partner network, so if you're looking for a specific vehicle, don't hesitate to contact us to discuss your car loan requirements.

We are committed to helping our customers find the vehicle that's a perfect fit. At Approval Genie, we'll get you approved for your car loan, even if you have bad credit.

Choose Canada's highest-rated Auto Finance Company - We Put YOU First!

At Approval Genie, it's our mission to help our customers rebuild and improve bad credit. Our goal is to provide clients with an affordable car loan and a safe and reliable vehicle that satisfies their lifestyle and needs. All of our vehicles come fully certified, E-tested, reconditioned and plated in their name. Each and every car meets Ontario’s standard safety certificate requirements and additional safety inspections are conducted as well. We also include a Carfax vehicle history report with each and every vehicle - at no charge to our clientele. This gives our customers peace-of-mind, knowing where the vehicle was located, the number of previous owners, any prior reported accidents and whether or not the vehicle was a rental or not.

We don't carry any vehicles with high mileage or older than seven years to ensure we are providing our customers with the best and safest vehicle options possible. Having bad credit doesn’t mean you have to lower your standards and choose a vehicle that may be less reliable than a newer model. Don’t risk you and your family’s safety in order to receive lower monthly payments on your bad credit car loan.

Due to newer models generally having lower mileage, in many cases the manufacturer’s warranty will still be valid. If anything were to happen to your vehicle the warranty assures you will be able to have it repaired. We also offer extended warranty coverage through companies like Canada General and their Pinnacle Protection Plan.

Your Satisfaction Is Our Priority

If you're not happy with the car you chose using your bad credit auto loan, we'll help you find a more suitable one. We have a free 30-day exchange policy* that all our customers can use if they're not satisfied with their choice. If we don't have the car you want, we'll find it for you.

We also offer free delivery of your new vehicle to any location in Ontario and most regions of Quebec. Just tell us where and when, and we'll send one of our Genies to deliver it. Or if you prefer, you can also visit one of our 7 locations throughout Ontario and Quebec and pick it up yourself if you prefer.

If you have bad credit and want to buy a used car or new car, don't worry. We'll help you get the car loan you need at the best rates possible. Apply for your bad credit car loan here, and you can get approved on the same day!

*Exchange only, no refunds. Vehicle must not have accrued more than 1000kms within 30-day period, no modifications, no damage.