Bad credit welcome - we've all been down that road before. Connect with our network of local dealers to get behind the wheel of your dream car.
Any credit welcome - even after some past challenges. Apply in 2 minutes and we'll connect you to a local dealership that can arrange financing.
Get approved for a car loan regardless of your credit history. We specialize in helping Canadians with any credit secure auto financing.
Drive away with no money down. Our zero down payment options make car ownership accessible without the need for a large upfront payment.
Just arrived in Canada? We specialize in helping newcomers secure car loans without requiring an established Canadian credit history.
New to credit or never had a loan before? We help Canadians with no credit history secure their first car loan with confidence.
Will Look Like
Answer a handful of quick questions and our team will reach out to you to get everything started. All from the comfort of your home.
Within 1 hour we connect you with a verified Alberta dealer who specializes in bad-credit financing.
Your matched dealer shows in-stock cars, SUVs, and trucks that fit your approval, budget and your lifestyle.
Your dealer partner will help you select a vehicle and payment plan. Choose from bi-weekly or monthly terms from $89/wk*
Complete the paperwork directly with the dealership's lender, it's fast and transparent with no hidden surprises.
Pick up at the dealership or have the vehicle delivered. We stay in touch until you're on the road.
If there has been some past credit challenges, we make it easy to get approved for a car loan.
Apply NowSee how NorthKey Auto helps customers secure financing with confidence.
"My ex stopped paying on our joint stuff and two cards went to collections under my name. I couldn't even get a test drive anywhere. NorthKey found a dealer that actually looked at what I make now, not all the mess from before. Drove home in a CR-V same week."
Delilah G.
Edmonton, AB · 2021 Honda CR-V
"Pretty much had zero credit. One card from when I was 19 that I messed up and that was it. Banks kept saying no. NorthKey hooked me up with a credit builder thing and I got a Forte. Been making payments for a year now and my score's already way better."
Jacob Z.
Calgary, AB · 2020 Kia Forte
"Had some student loan stuff and a store card I totally forgot about dragging my score down. I'd been good with payments for like a year but nobody cared. NorthKey got me to a dealer that looked at everything, not just the number. Got a Rogue with winters on it too."
Lesley H.
Lethbridge, AB · 2022 Nissan Rogue
"Got laid off and was using credit cards for rent and groceries for months. It snowballed and I ended up in a consumer proposal. My Civic was basically done and I got two kids so I needed something safe. Didn't think anyone would approve me but NorthKey found someone who works with people in my situation. Got a Sentra with warranty and everything."
Miranda S.
Edmonton, AB · 2019 Nissan Sentra
"Had to give up my truck during the slowdown a couple years ago. Got back on my feet doing electrical work but that repo just killed me at every bank. NorthKey set me up with a dealer that gets it - trades guys go through ups and downs. Back in an F-150 now."
Robert N.
Calgary, AB · 2021 Ford F-150 FX4
"Wife got laid off when her company downsized and we went from two incomes to one. Burned through savings and fell behind on everything. My old truck finally died and I needed something for the drive to work. NorthKey didn't treat me like a number - got me a Corolla and honestly the gas savings alone are huge compared to the truck."
Terry P.
Red Deer, AB · 2018 Toyota Corolla
Apply in as little as 2 minutes and get matched with a dealer in your area.
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