Your Fresh Start
Get Approved Today*

We work with lenders that say YES when others say no.
Apply in minutes — most answers the same day.
All credit situations welcome across Ontario.

Multiple lenders fighting for your business.

Fast & Easy · Quick approval process
Fast & EasyQuick approval process
All Credit TypesGood, bad, or no credit
Drive TodayGet behind the wheel sooner
Apply In Minutes

No impact to your credit score to get started!

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We Finance All Credit Types

Good Credit
700+
New to Credit
No History
Fair Credit
550 – 669
Bad Credit
Below 550
Bankruptcy
We Can Help
Consumer Proposal
We Can Help
Self-Employed
We Can Help

*In some cases, a down payment may be required. All applications begin with a zero-down scenario — our finance specialists work to get you approved with no money down whenever possible. Terms and rates vary based on credit approval.

How Our Financing Process Works

1
Apply Online
Fill out our secure online application in just a few minutes.
2
Get Approved
Our lenders review your application and get you pre-approved fast.
3
Choose Vehicle
Pick the perfect vehicle from our quality pre-owned selection.
4
Drive Away
Sign your documents and drive away with confidence!
  1. 1Apply OnlineFill out our secure online application in just a few minutes.
  2. 2Get ApprovedOur lenders review your application and get you pre-approved fast.
  3. 3Choose VehiclePick the perfect vehicle from our quality pre-owned selection.
  4. 4Drive AwaySign your documents and drive away with confidence!

We Work With Top Lenders To Get You The Best Rates

SCOTIABANK
TD
RRC
EASTERN FINANCIAL
iA FINANCIAL
AND MORE...

Real People. Real Results.

★★★★★

The current market for used cars is crazy in 2022. Despite that, these guys got me a good deal and got me driving a good car in no time. As a recent immigrant with almost no credit history I would recommend them. Talk to Ashlee she can help and her customer service is first class.

Nicolás Torres Brauer
★★★★★

My experience at South West was very professional and thorough. Idil found me an amazing truck that was everything I wanted. She was very friendly and accommodating to my requirements. John arranged a great package to fit my budget, my truck had a few small issues that were taken care of right away, no questions asked. I will highly recommend South West for your next purchase or finance.

Chris pepper
★★★★★

I'd give them 5 stars but no business can ever be perfect (despite my old reviews). Saying that! I have ZERO complaints about south west auto group. This is the second vehicle I have bought from them. Ashlee is very easy to deal with... they are very honest, helpfull and they know what they are selling. They had me in the car I have always wanted with in a week at an AMAZING interest rate. If you see what you want at this dealership... dont walk away from it.. go inside, talk to someone and drive away a happy human, like I did! Thank you Ashlee and everyone at "SWAG"! <--- that's clever! But I love how it works! Ray

Ray Bowman

Financing for Every Situation

Pick the path that fits. Every situation has lenders who say yes.

→
Bad Credit
Low credit score? Lenders that say yes when others say no.
→
After Bankruptcy
Discharged bankruptcy is workable. Rebuild credit on a car loan.
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Consumer Proposal
Approved during or after your proposal. Responsible debt counts.
→
First-Time Buyer
Buying your first car? No credit history? We've got programs.
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New to Canada
Newcomer programs for permanent residents, work permits, study permits.
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Self-Employed
Bank statement programs for business owners and gig workers.
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Lease Return
Lease ending soon? Know your real options before signing anything.
→
Trade-In Value
Honest market-based trade-in values. Even with a loan owing.

Financing Questions Answered

Can I get a car loan with bad credit?+
Yes. We work with lenders who specialize in bad credit auto financing. A low credit score does not automatically disqualify you — we look at the full picture including income, employment, and down payment to find the best path to approval.
How much of a down payment do I need?+
Down payment requirements vary by lender and credit situation. Many of our customers get approved with zero down. All applications start with a no-money-down scenario, and our finance team works to keep your out-of-pocket costs as low as possible.
Can I get approved after a bankruptcy?+
Yes. Discharged bankruptcies are workable with many of our lending partners. We have helped many buyers across Ontario get back on the road after bankruptcy — in rare cases, even before the discharge is complete, depending on the situation.
How long does the approval process take?+
Many approvals come back within a few hours. Once you submit your application, our finance team gets to work immediately and keeps you updated throughout the process with a straight answer on your options.
What areas do you serve for car loans?+
We help buyers from across Ontario. Our financing process is fully online, so you can apply and get approved from anywhere in Ontario.
What documents do I need to apply?+
To get started, you just need your basic personal info — name, phone, and employment details. Once pre-approved, we may ask for proof of income (pay stubs or bank statements), valid ID, and proof of address. We walk you through everything.
Can I get financing with a consumer proposal?+
Yes. Active consumer proposals are accepted by several of our lending partners. We specialize in helping buyers in all credit situations find a path to vehicle ownership, including those currently in a consumer proposal.
Will applying affect my credit score?+
Our initial pre-approval assessment does not affect your credit score. A formal credit inquiry only happens once you choose to proceed with a specific vehicle and financing offer, and we always let you know before that step.

Ready To Get Approved?

Take the first step today. It only takes minutes!

Fast approvals•Low rates•All credit types