Financing with Less-Than-Perfect Credit

Bad credit doesn't always mean no — it means you need a smarter approach.

Why approvals can still happen

Many lenders look beyond the score and focus on your current stability — income, recent payment behaviour, and affordability.

Common reasons people get declined

• Income doesn't support the payment
• Too much existing debt
• Very recent credit issues with no recovery time
• Vehicle doesn't meet lender guidelines

How Maple Drive helps

Maple Drive connects you with financing partners that work with a range of credit situations and helps you aim for a realistic budget.

Tips to improve outcomes

• Be accurate about income and expenses
• Consider a modest down payment
• Choose a vehicle that fits your approval range
• Focus on rebuilding: on-time payments matter most

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Get pre-approved with Maple Drive

Start with a quick online application and get matched with financing options that fit your situation — Canada-wide.

Start your pre-approval

Maple Drive is not a lender. We connect Canadians with trusted financing partners.