Ready Ride is Ontario's dedicated bad credit auto financing dealership. We approve every application province-wide — no minimum credit score, no judgment, no runaround. Serving all of Ontario.
✓ Soft credit check only · ✓ 3-minute application · ✓ Same-day approval
If you've been turned down for a car loan in Ontario because of your credit history, you're not alone — and you're not out of options. Ready Ride was built specifically to help Ontario residents with bad credit, no credit, or challenging financial histories get approved for auto financing and drive away in a quality vehicle. We serve customers province-wide.
Our Instant Approvals Program connects you with a network of lenders who specialize in subprime and second-chance auto loans across Ontario. Unlike traditional banks and dealerships that rely solely on your credit score, our lenders evaluate your full financial picture — including your income, employment stability, and ability to make monthly payments.
Ready Ride approves applications from Ontario residents in virtually every credit situation. Our program is specifically designed for people who have been told "no" elsewhere. We work with customers who have:
A bad credit car loan — also called a subprime auto loan or second-chance car loan — is a vehicle financing product designed for borrowers with lower credit scores or challenging credit histories. These loans are issued by specialized lenders who assess risk differently than traditional banks. Ready Ride works with these lenders across Ontario.
While interest rates on bad credit car loans in Ottawa may be higher than prime rates, they serve an important purpose: they give you access to reliable transportation while providing an opportunity to rebuild your credit score through consistent, on-time monthly payments. Many Ready Ride customers have significantly improved their credit scores within 12 to 24 months of their loan.
There are several dealerships in Ontario offering bad credit financing, but Ready Ride stands apart for a few key reasons. We are a fully licensed, OMVIC-registered dealership with a transparent, no-pressure process. We do not charge hidden fees, and our team will always explain your loan terms in plain language before you sign anything.
Our dealership is located at 1740 Queensdale Avenue in Gloucester, Ontario. While we welcome walk-ins from the Ottawa area, our entire application and approval process can be completed online — making it easy for customers across all of Ontario to get approved without leaving home. We serve every region of the province.
Prefer to speak with someone? Our financing team is available Mon–Sat.
613-983-9834Mon–Fri: 10am–6pm · Sat: 10am–4pm
Common questions about getting a bad credit car loan in Ontario.