Subprime Credit

Can I get approved with a 550 credit score?

Yes.

Our lender network approves from 550 and up. Past collections, consumer proposals, self-employed income, all welcome.

If you’re wondering whether your situation works, apply anyway. Pre-qualification is soft-pull only, so there’s nothing on the line.

Get Pre-Approved Call (800) 620-3959

Your Situation

We Work With All Kinds of Credit

People come to us from all kinds of situations. Big move, job change, divorce, some rough years, or just starting out. None of that stops us from getting you on a ride.

550 and Up

Our lender network approves from 550 and up. Collections, consumer proposals, past bankruptcies, all included.

Any Income Type

Salaried, hourly, self-employed, gig work. If it shows up on paper, we can work with it.

Fresh Starts Welcome

Divorce, medical, a business that didn’t work out, starting over. Life happens. We’re here to get you approved and riding.

More Than a Ride

This Builds Your Credit Too

Here’s something most people don’t realize when they finance with us. Every payment you make gets reported to the credit bureaus by our lending partners. On time, month after month. That history compounds, and it works in your favour.

Payments Reported

Our lending partners report positive payment history to Equifax and TransUnion.

Toward Better Rates

A stronger file means better terms on your next approval.

Buying Power, Built

The ride today. A stronger position for whatever’s next.

The Process

How It Works

Same process as everyone else.

Find the Ride

Browse any dealer, a private seller, Facebook Marketplace, or Kijiji. Any source works.

Apply

Quick, secure application from your phone or laptop. No commitment required.

Get Approved

One application. The right lending partner. Terms that fit you.

Go Get It

We handle the funding. Dealer or private. You ride.

Common Questions

Subprime FAQs

The stuff we get asked the most about credit situations.

Our lender network approves from 550 and up. If you’re below that, tell us what you’re working with and we’ll tell you straight if there’s a path forward.

Three things carry the most weight. Payment history is the biggest one. How much of your available credit you’re using comes right behind it. Staying under 30% utilization helps your case. The third is your debt service ratio, which is how much of your monthly income goes to debt payments. Existing loans, credit cards, minimums, and the new payment all count.

Our lending partners look at the full picture. We know their programs, so we know where your file fits best.

Yes. Bank statements, Notice of Assessment, or any paperwork that shows it. We figure it out.

Yeah, we do it regularly. Depends on when it was discharged and how things look since. Send us the details and we’ll tell you straight.

Yes. Our lending partners report positive payment history to the credit bureaus. Every on-time payment builds your file and helps toward better rates and approvals down the road.

No. Pre-qualification is soft-pull only. Your score isn’t affected.

★★★★★

“After my divorce, my credit was a mess. TBJ got me approved on a 2019 Ranger. Been paying on time for a year and my score’s already climbed 60 points.”

Kelly M.

Ontario

Got a Ride Picked Out? Let’s Get You Approved.

Start your application or give us a call. Most decisions come back the same business day.

Get Pre-approved Call (800) 620-3959

Mon-Fri: 9AM – 5PM · Sat-Sun: Appointment Only

Simple, secure application. No commitment required.