Bad Credit?
No Credit?
You're Approved.*

We work with lenders that say YES when others say no.
Get approved in minutes and drive away in your next vehicle.
All credit situations welcome across Ontario.

Fast & EasyQuick approval process
All Credit TypesGood, bad, or no credit
Drive TodayGet behind the wheel sooner
Get Approved In Minutes

No impact to your credit score to get started!

Loading application...

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!

We Work With Top Lenders To Get You The Best Rates

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

Real People. Real Results.

★★★★★

“Knowledgeable and honest staff. Would be confident in purchasing from them again. (Had minor engine trouble a few days after purchasing, they fixed no question) Can not ask for more then that, when purchasing used.”

— Em F
★★★★★

“A very trustworthy dealership! I bought a couple of used cars from Silverstone Motors and I enjoyed driving them as a daily. Khalid is a very knowledgeable and transparent owner and salesperson. If you run into any issues, he will help you in a very selfless way. He was also never pushy and maintained honesty. I would definitely recommend this lot for your next purchase!”

— marwan el-shamy
★★★★★

“Can't say enough good things about Kahlid and Felix. They treated me with the most respect and honesty person could ever ask for. We had few issues with my purchase but Kahlid without hesitation or questions did everything he could to fix and resolve my issues. Kahlid went the extra few mikes to make me a satisfied and will be a returning customer. Thanks Silverstone for a great experience.”

— Darren Millson
★★★★★

“I had my best experience with this dealer selling my old Toyota 4Runner truck. The process went hassle free, fast, clear, no frictions, no misunderstanding at least on my side. I was really pleased to deal with Khalid, their representative and he made my truck transfer and payment easy, almost effortless with professional knowledge and comfortable attitude.”

— VladTheImpaler Zatravka

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.
→
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.
→
New to Canada
Newcomer programs for permanent residents, work permits, study permits.
→
Self-Employed
Bank statement programs for business owners and gig workers.
→
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 — sometimes 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