Auto Credit Ottawa Logo

First Chance, Second Chance and 3rd Chance Car Financing in Ottawa

Call us today 1-877-829-8098

Good Credit?
Bad credit? No credit?
Refused elsewhere?
No problem!
Same-day approval GUARANTEED.

Your approval for a car loan is guaranteed!

Over 250 vehicles to choose from in Ottawa
And if we don’t have the vehicle you want, we will get it within 24 hours!




Guaranteed Car Loans in 3 Simple Steps

online car loan application

Step 1
Apply Online Today

Fill out our simple and secure car loan application. You may also call us if you wish to apply over the phone!

(2-3 minutes)

car loan approbation guaranteed

Step 2
Get Approved

Find out how much you qualify for and your interest rate. We will negotiate the lowest possible rate for you with our lenders, even for a bad credit car loan!

(average wait time: 2 hours)

used car loan

Step 3
Pick Your Car & Drive Home!

Pick the vehicle you want.
If we don’t have it, we’ll find it for you!

(Drive Home within 48 hours)


Choose a vehicle type:

Click on a vehicle to toggle

Your Budget

Under $250/month
$251 - $300/month
$301 - $500/month

Basic Information

Job Information

Final Step - Age Verification

Some of Our Finance Partners

We Have a Solution for
Every Credit Situation

  • Rejected elsewhere?
  • Undischarged Bankruptcy?
  • In a Consumer Proposal?
  • Self-employed?
  • Newcomer in Canada?
  • Missed Payments?
  • Had a Repossession?
  • Unpaid Student Loans?

  • First job?
  • Low income?
  • Retired?
  • On Disability?
  • Recently Separated?
  • Divorced?
  • Need to Refinance?

Why Choose Auto Credit Ottawa?

  • Guaranteed car loans of up to $40,000 in only 4 clicks
  • Interest rates starting as low as 3.69%
  • Immediate pre-approval within 2 hours of application
  • Receive a blank check
  • Easy, fast and stress-free
  • No guarantor or co-signer needed
  • Access to all types of vehicles
  • 2-year warranty included on all our vehicles
  • Carfax report included for all our vehicles
  • All vehicles e-tested for Ontario
  • All vehicles are inspected, safetied and certified for Ontario
  • If we don’t have the vehicle you want, we’ll get it for you within 24hrs
  • Too far for you? We will even come pick you up and drop you off!


used cars for sale ottawa gatineau

Our Vehicle Inventory

Over 250 Vehicles Available in Ottawa

Some of the  Pre-Owned Vehicle Makes We Carry

online credit application in Ottawa and Gatineau

Your Ottawa vehicle loan approval is guaranteed, in just a few clicks!

Avoid waiting in line at the car dealership by filling out our online form wherever you are, from your mobile device or computer. You’ll receive confirmation by email on how much you’re approved for, your financing options and auto credit rate, which will bring you one step closer to driving home with your new vehicle.

Please Call Us at 1-877-829-8098 if you prefer to speak with a live finance advisor.


Testimonials from our Clients

photo of customer

“My situation was somewhat particular. I lost my supposedly secure job because of government cuts and I faced financial difficulties; eventually my credit score was affected. I couldn’t get financing anywhere for a car. After getting in touch with Auto Credit Ottawa, my request was not only approved within 25 minutes, but I also got some great advice to help rebuild my credit! Thank you, Jean!”
– Sara L.

photo of customer

“I had a personal bankruptcy and it was really difficult to get financing when it came time for me to buy a car. Everywhere I went, I was refused, and with three children, I absolutely needed a car. Auto Credit Ottawa approved my application even with my undischarged bankruptcy!
Thanks to the whole team!”
– Robert B.

Over 250 Vehicles Available in Ottawa
Here are a few vehicles we received THIS WEEK

Note that this is NOT OUR FULL INVENTORY
Please Fill Out the Form to Get Access to Our Full Inventory!

Contact Information

Our Thurso dealership is located JUST ACROSS Rockland & Cumberland (10 minutes with either ferry – We will reimburse your ferry fees).
Too far for you? We’ll come pick you up and drop you back off!

Address: 445, Victoria, Thurso, Québec, J0X 3B0 | Phone: 1-877-829-8098

Business Hours: Monday to Friday, from 9am to 8pm | Saturday from 10am to 4pm | Sunday By Appointment Only

©2019 Auto Credit Ottawa – All Rights Reserved, Privacy Policy | Terms