Get The Vehicle You Want at a Payment You Can Afford From The Comfort Of Your Home

We help Canadians get approved for a car loan, regardless of credit history. It’s simple, fast and easy!

Bad Credit Car Loans

At Bad Credit Car Loans, we understand that financial setbacks can happen to anyone, and we are committed to helping you get back on the road. Our mission is to provide accessible and flexible car financing options for individuals with less-than-perfect credit. We work with a network of trusted lenders who specialize in bad credit auto loans, ensuring you receive competitive rates and personalized service.

Whether you have a history of bankruptcy, repossession, or simply missed payments, our expert team is here to guide you through the process with compassion and professionalism. Discover the freedom and convenience of owning a car again with Bad Credit Car Loans – where your past doesn’t dictate your future.

Loans Approved in less than 5 minutes

Push to start your approval now

Featured Vehicles

Some of our vehicles just can’t help but draw a little more attention. These are our featured vehicles. Every couple of weeks we refresh our listings with a few great deals that we feel deserve a little more attention than the rest. But don’t linger too long if you see something you like—someone else might be eyeing your prize!

Subprime Auto Financing

About Janex Auto Credit

When you’re ready for a new automobile, think Janex Auto Credit. Since 1997, we’ve been dedicated to making car purchases easy and stress-free. Explore our diverse inventory and gain access to over 3,000 quality pre-owned vehicles. No matter which vehicle you’re looking for, we can get it for you. We also offer a 30-day exchange policy, providing you with peace of mind on your new ride.

At Janex, we specialize in providing customized financing options tailored to your needs. We’re partnered with all the major banks and lenders to ensure you receive the lowest monthly payments and interest rates on your new vehicle. Whether you prefer to handle everything online or in person, our credit experts are here to simplify the process for you.

We’re an Ottawa-based dealership located at 1470 Hunt Club Rd, Ottawa, ON, K1T 1M6, CANADA, ready to assist you with any of your automotive needs. At Janex, you’re guaranteed a personalized and reliable experience that ensures you’ll be taken care of every step of the way.

Customer Reviews

Beat the Bank

Access to Over 50 Lenders


Fast Approvals & Quick Loans


Superior Service with Multiple Options

24 | 7, 365 Service

Professional service at Best Rate

Credit Problem?

Do you have any of the following

New Credit

Young buyer, No credit cards, Never had credit, establish your credit with a car loan.

No Credit

No active credit, bad credit in the past, looking to establish credit

Slow Credit

Current late payments, slow payments, Need a loan to re-build credit

Bad Credit

Missed payment, closed credit cards, Need a car now, want to build credit.


Currently in a bankruptcy, Discharged from bankruptcy, Low interest auto loans available now.


Currently in a proposal, credit counseling, Build credit with a new car loan.

Credit Counseling

Currently in credit counseling and need a car loan. We can help

New immigrant

New to country, Visa worker, student Visa. Approval today

Declined Everywhere

Declined at other places, we can get you in-house financing


Maternity leave or going back to work. Approval available now


Separated or divorced from partner. Apply today

Self Employed

In business for yourself, business owner, commercial car loans


Trades man and contract workers.


Long and short term disability, income from insurance payment.

Cash Income

No paystubs, Tip income, child tax, non taxable income. You are approved.


Your car had been repoed due to difficulties. We can approve you

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Janex Auto Credit