Bad or Bruised Credit
Past financial challenges don't define you. We look beyond your credit score to get you approved and back on the road.
4.5 Google Reviews
10× Consumer Choice Award
Bad Credit Car Loans with Real Approvals & Real Choices
London Ontario's trusted bad credit dealership since 1991. Same-day approvals, $0 down options, and rates 8–10% lower than banks.
Who We Help
No Matter Your Situation, We Have a Solution
Ezee Credit was built for people the big banks say no to. We specialize in finding approvals where others can't.
New to Canada
No Canadian credit history? No problem. We have specialized programs designed for newcomers to get you mobile faster.
First-Time Buyer
Buying your first car should be exciting, not stressful. We walk you through every step and help you build credit along the way.
Bankruptcy or Proposal
We've helped hundreds of Ontarians restart after bankruptcy or consumer proposals. Your fresh start starts here.
How It Works
Get Approved in 4 Simple Steps
We've simplified the process so you can focus on finding the right vehicle — not fighting paperwork.
Apply Online
Complete our 2-minute application — no credit check required to get started. Tell us your budget and what you're looking for.
Same-Day Approval
Our team reviews your application and works with our lender network to secure the best possible approval for your situation.
Choose Your Vehicle
Browse our inventory of 110-point inspected vehicles or use our Vehicle Locator to find exactly what you need.
Drive Away Happy
Sign your paperwork and drive home in your new vehicle. We stay in contact to help you rebuild your credit score over time.
Start Your Application
No impact to your credit score · Takes under 2 minutes
The EzeeWay
Why Thousands Choose Ezee Credit
30+ years of experience means we've seen every situation — and found approvals when everyone else said no.
Same-Day Approvals
Submit your application and get an answer the same day. We don't make you wait while your life is on hold.
8–10% Lower Rates
Our lender relationships mean rates 8–10% below what traditional banks typically offer for bad-credit financing.
Credit Rebuilding
Every on-time payment reports to the credit bureaus. Your auto loan becomes a tool to rebuild your credit profile.
110-Point Inspections
Every vehicle in our inventory passes a rigorous 110-point inspection. You get a CarFax report and full vehicle disclosure.
No-Judgment Approach
We care more about the person than the credit score. Our team treats everyone with respect and dignity — always.
10× Consumer Choice Award
London Ontario has voted Ezee Credit as the Consumer Choice Award winner in automotive financing 10 times. Results speak.
Why Choose Us
Not All Car Loans Are Created Equal
Lead generators sell your information. Banks reject bad credit. Ezee Credit is the direct, honest option.
| Feature | Ezee Credit | Big Banks | Lead Sites |
|---|---|---|---|
| Same-Day Approval | Yes | No | No |
| No Credit Check to Apply | Yes | No | No |
| Bad Credit Welcome | Yes | No | Yes |
| $0 Down Options | Yes | No | No |
| In-House Financing | Yes | No | No |
| Rates 8–10% Below Banks | Yes | No | No |
| 110-Point Vehicle Inspection | Yes | No | No |
| Credit Rebuilding Program | Yes | No | No |
| No Referral Fees or Markups | Yes | Yes | No |
| Real Human Support | Yes | No | No |
Real Stories
What Our Customers Say
4.5 stars across 1,000+ Google reviews. Here's what Ontarians are saying about the Ezee Credit experience.
"These guys are NOT your average dealership. They care more about the person than the price tag. Marc and the team got me approved when I thought it was impossible. I drove away the same day."
"After a rough year financially, I was embarrassed to even apply anywhere. The Ezee Credit team made me feel like a person, not a credit score. Incredible experience from start to finish."
"I just moved to Canada and had zero credit history. No one would approve me. Ezee Credit had a program specifically for newcomers and I was driving within the week. Highly recommend."
OMVIC
Licensed Dealer
UCDA
Member
4.5 Google
10×
Consumer Choice Award
Trade-In Value
What's Your Vehicle Worth?
Find out the market value of your current vehicle in minutes. Apply it toward your next car and lower your monthly payments.
- Instant online estimate
- Applied directly to your new purchase
- No obligation — free to check
Ezee Credit by the numbers
30+
Years Serving Ontario
1,000+
Approvals & Counting
4.5 ★
Google Reviews
10×
Consumer Choice Award
Serving London Ontario
Bad Credit Car Loans in London, Ontario
Ezee Credit Auto Leasing & Sales has been London Ontario's most trusted bad credit auto dealership since 1991. Located on Florence Street near Dundas and Highbury, we've helped thousands of Londoners get behind the wheel when the banks said no.
Whether you have bad credit, no credit, are newly divorced, or have recently gone through bankruptcy or a consumer proposal — our team specializes in finding financing solutions for real people with real challenges. We don't just send your information to a bank and hope. We work the file ourselves.
We serve London and the surrounding areas including Woodstock, Strathroy, Ingersoll, St. Thomas, Tillsonburg, and all of Southwestern Ontario. If you're looking for a bad credit car loan near London Ontario, Ezee Credit is your best first call.
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