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.

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Loans Approved in less than 5 minutes

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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

At Subprime Auto Financing, we believe that everyone deserves a chance to drive their dream car, regardless of their credit history. Specializing in loans for individuals with subprime credit, we are dedicated to offering tailored financing solutions that meet your unique needs. Our extensive network of lenders is committed to providing you with affordable rates and flexible terms, ensuring that you can find a vehicle that fits both your lifestyle and budget. Our experienced team is here to support you every step of the way, from application to approval, making the process as smooth and stress-free as possible.

Why Choose Subprime Auto Financing?

  • Flexible Financing Options: Customized loan solutions designed to fit your financial situation.
  • Wide Network of Lenders: Access to numerous lenders specializing in subprime auto loans.
  • Competitive Interest Rates: Affordable rates to help you manage your payments comfortably.
  • Fast and Easy Application Process: Streamlined steps to get you approved and on the road quickly.
  • Dedicated Customer Support: Expert guidance and support from our friendly team throughout your financing journey.
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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.

About Us

Customer Reviews

Mat Ghossein

I’ve had some very bad experiences buying cars from dealerships so I was a little on the fence and sceptical walking into Janex. Little did I know I would be driving out with a car that day. Thanks to Salim, I felt comfortable going through the sales process and I was extremely satisfied with his finance recommendations. Salim is very knowledgeable and professional and I will definitely come back to see him when it’s time for my next car.

Amanda Azzi

Best car purchase experience I have ever had! Amar listened to everything I needed/wanted and catered to it. Every step of the way was great. From choosing the car, to sorting out the financing. Purchasing a car isn’t always the easiest and he made it so pleasant. Will be recommending Amar & Janex to all my friends and family. Thank you Amar!!

Shant Dermesrobian

A very friendly & welcoming Staff from the moment you enter to the dealership, Amazing experience I had at Janex Auto! I have had the chance to deal with Mustafa, he made the financing process smooth & stress free, Very professional & knowledgeable ! He really knows how to make a customer feel valued I recommend Mustafa strongly 5 star service! Will be coming back soon for another purchase

Walid Naeemi

I had a great experience at Janex Auto. Amar was very helpful in helping me find the vehicle I was looking for. They’ve got a great selection and Amar provided amazing service throughout the entire process. Highly recommend them!

Amanda Behrens

So glad to receive my 2022 Toyota rav4 from Janex ! Amar made this process so smooth and easy as I don’t have much time away from work. Delivered right to my door and could thank him enough! Great spot with great service ☺️ thanks again Amar !

Austin Derrett

Huge shout out to Amar for helping me solve my issues of needing a car. I bought a used car that ended up needing to much work and I had a deadline to meet for work. With some help from Amar me and my father were able to get everything straitened out fast and get into a 2018 Buick Encore and ready for Me to get back and forth to work with no delay or time off needed. Janex is amazing and I will most defenatly be back for my next vehicle with out a doubt. 😊

Alina Marie Carpenter-Levy

Amar was a great help getting us a car that suits out needs, Amar was very polite and provided amazing service. We will definitely be returning here in the future!!

Yaniris Brito

I recently use this services and I am very satisfied with the process and results. Very efficient team, professional and quick. Loving my new car. I highly recommend them! Thank you so much!

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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.

Bankruptcy

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

Proposal

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

Maternity leave or going back to work. Approval available now

Divorced

Separated or divorced from partner. Apply today

Self Employed

In business for yourself, business owner, commercial car loans

Contractor

Trades man and contract workers.

Disability

Long and short term disability, income from insurance payment.

Cash Income

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

Repossession

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

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Janex Auto Credit