YOUR CAR. YOUR TERMS.
ONE-STOP SUBPRIME FINANCING
Flexible financing for every credit situation approved in minutes.
Whether you're building credit or navigating your financial options, our Financial services specialist will help you drive away with confidence.
Simple Approval Process
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Trusted Lenders
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Credit Specialist
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Large Pre-Owned Inventory
We help people understand their options, rebuild confidence, and move forward with a plan.
HOW IT WORKS
Four Steps to Driving Away
Step 1:
30 min consultation
Learn about your options.
Step 2:
We Check Your Options
A soft credit pull reaches five lending partners at once zero impact to your score.
Step 3:
You Get Real Choices
Within ten minutes, you'll see financing options built around your situation not a generic rate sheet.
Step 4:
Our Credit Specialist Walks You Through It
We review your rates, answer any questions you have.
YOUR FINANCING GUIDE
Meet Our Credit Specialist
Jenny is Clarington Hyundai's Finance Service Manager with over 10+ years working with Durham drivers setting them on their path forward. She works with customers at every credit stage.
Our Financial Partners
One application, 5 lenders. Choose your best rate.
EVERY PAYMENT MOVES YOUR CREDIT SCORE FORWRD.
BUILD YOUR CREDIT
A vehicle loan through our lending partners reports to the credit bureau which means every on-time payment is working for your financial future. If you're new to Canada, just starting out, or rebuilding after a rough stretch, an auto loan is one of the most practical ways to build credit history in Canada. One payment at a time, your score grows.
A STRAIGHT ANSWER. NO FINE PRINT HIDING IN THE SMALL TEXT.
What is SubPrime Financing?
Subprime financing is designed for people whose credit score falls outside the range traditional banks lend to whether that's due to limited history, past financial difficulty, or a life change that affected your credit. Rates are typically higher than standard loans, and terms are often longer. That's the honest picture. We'll always show you the full numbers before you agree to anything, so you can make a decision that actually makes sense for you.
SUBPRIME AUTO LOANS CAN ALSO BE A SMART FIRST STEP
They build credit history with every on-time payment, improving your options for every loan that comes after.
WE HELP ALL CREDIT SITUATIONS
Whoever You Are. Whatever Your Credit.
Every situation is welcome here without exception.
- New to Canada
- No Credit History
- Low Credit Score
- Self-Employed
- Post-Divorce
- Recent Bankruptcy
- First-Time Buyer
- Fixed Income
See What You Qualify For
Two minutes. No credit impact. Real answers.
*Your information is secure and never shared without your consent
WE HELP ALL CREDIT SITUATIONS
Whoever You Are. Whatever Your Credit.
Every situation is welcome here without exception.
- New to Canada
- No Credit History
- Low Credit Score
- Self-Employed
- Post-Divorce
- Recent Bankruptcy
- First-Time Buyer
- Fixed Income
FREQUENTLY ASKED QUESTIONS
Questions We Hear Every Day
No. Pre-qualification uses a soft credit pull, which means we check your profile without it appearing as an inquiry on your credit report. Only a hard pull (the kind that happens when you formally apply for a loan) affects your score. This isn't that.
Banks use narrow criteria, and a rejection from one says nothing about what's available elsewhere. The lenders we work with specialize in exactly the situations banks won't touch. A "no" from your bank is often the starting point for a "yes" from ours.
About ten minutes from the time you submit the form. We pull options from five lenders simultaneously, so there's no waiting in a queue. You'll have real numbers to look at fast.
Yes, and this is one of the most common situations Jenny works with. No credit history is different from bad credit, and our lenders understand that. We help newcomers to Canada get into vehicles and start building their credit profile every week.
All of our pre-owned inventory is available, a wide range of models, years, and price points. Browse Current inventory →
Government-issued ID, proof of income (a recent pay stub or bank statement works), and proof of address. That's it. Jenny will let you know if anything else is needed for your specific situation.
Subprime financing is a loan product designed for borrowers whose credit score falls outside traditional lending criteria. It typically comes with higher interest rates and longer terms than standard loans — which is the honest trade-off for access to credit when other doors are closed. For many people, it's not just a way to get a car: it's a way to start building the credit history that opens better options down the road. If you're unsure whether it's the right fit, Jenny can walk you through the numbers with no pressure and no obligation.