green and white auto finance application with check mark


Apply with our quick & easy – good, bad, & no credit car loan application we will get you driving your new or pre-owned vehicle ASAP

Zero Obligation | Click Below

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Relax while the best auto finance professionals negotiate with banks for the lowest interest rates and bargain on the price of the vehicle itself

You Will Never Receive A Bill From Us
The Dealership Pays Us!!

green and white car with loan approved check mark


Drive away happy in your shiny new vehicle knowing you chose the smartest option. We also can deliver almost anywhere in Canada!!

Let Us Do The Work For You Apply Now!!

Every Make & Model

Why Use Us?

Bad or No credit

Using our industry secrets and massive bank connections we secure a much higher rate of approvals than anyone else

Good Credit

With our prime banks you receive the lowest interest rates in the country even better than your own bank

We Work With You

We do not work for the dealership. We are independently run and work with you to achieve your goals

Lowest Rates

We always negotiate the lowest rate with the banks

0% Financing

Available to those who qualify 

Vehicle Prices Negotiated

Pay the lowest price possible on your next vehicle

Huge Inventory

New & pre-owned vehicles from multiple AAA dealerships. Greater selection means better prices and options

Warranty Discounts

10-25% off after market warranties

Finance Experts

Our experts have been reducing interest rates for over 10 years & have helped 1000’s of clients

Trade Ins

Even if you still owe money on the loan we can still get you a vehicle & negotiate the best trade in value for your trade*
*some conditions may apply

Finance or Lease

Get a great deal on financing or leasing a vehicle

Cut Out the Middle Men

No bargaining with pushy sales people, go right to a decision maker that actually gets you approved

Banks For All Credit Levels

Finance or lease new & pre-owned with the largest selection of top auto lenders

And more!!

Our Awesome Google Reviews!!

  • review rating 5  I found Mr. Car Loans on facebook and applied for their bad credit car loan program. The rate I got was almost half of what I was quoted previously by other companies. Thank you I love my Jeep!

    thumb Rachel Mummery
  • review rating 5  Deviating from the regular financing process at a dealership was at first strange to me but Josh was there every step of the way. It really is a one stop shop and for someone like me who's really busy it was awesome. I can't say thank you enough and I will definitely be recommending Mr Car Loans to any of my friends or family who need a car loan in Winnipeg!!!!

    thumb Natasha Walls
  • review rating 5  Randomly found Mr Car Loans on google. I thought it was a bit of a cheesy name, but the website had what I was looking for. Decided to give it a shot and was more than happy I chose them in the end, because I got everything I wanted. Service is exceptional and they were very knowledgeable. Thank you!

    thumb Galina Ivashkina
  • review rating 5  The first dealership I went to wasted my time. They advertised bad credit car loans on their website on their posters and the sales guy even told me that when I spoke to him on the phone and in person when I arrived. I gave them all my details and then it was like pulling teeth to get a straight answer. Wasted 3 weeks. My buddy recommended mr car loans to me and he had got a car loan fresh after a bankruptcy. I applied not thinking much would happen and boom 3 days later I was driving. Everyone I dealt with at this company treated me with respect and was straight up no bs. I will be back for my next ride.

    thumb Corey Dobson
  • review rating 5  Was so nervous applying for my first loan. If I new it was this easy I'd still have my finger nails left. Thx Mr car loans Winnipeg now I don't have to ask my mom for rides anymore.

    thumb kevin mymryk
  • review rating 5  In housing financing was super easy at this business. I didn’t even have put any money down. The first place I went to wanted $5000 dollars!!

    thumb Ray A. Thomas
  • review rating 5  I would most definitely recommended Mr car loans. I'm very picky when it comes to buying a vehicle and especially if I'm referring a family member or friend it has to be in the direction of someone I can trust. I've known Josh for years and he helped my cousin (who didn't have the best credit) get a wayyy lower interest rate then he was being offered elsewhere. I wouldn't think twice to send a few more people your way. Thanks again!

    thumb james balmes
  • review rating 5  I've personally known Josh for many years and have never had a bad experience with him both personally or professionally. If you are looking for someone knowledgeable, efficient, hardworking and will tell you everything you need to know, he's your guy. Overall, I had a stress free & smooth experience. He will definitely go above & beyond for you no matter the situation or circumstances. He is professional, dedicated & the guy you want to see. I would highly recommend his service to anyone including friends & family�����

    thumb silvia correia
happy man and woman in car after being approved for an auto loan


Do you have a low credit score, late payments, collections, or a bankruptcy?

No matter what shape your credit is in you deserve great service, your interest rates dropped and the best deal on the vehicle of your choice. Mr Car Loans’ finance managers are EXPERTS in all credit levels but especially bad credit car loans in Winnipeg. Our massive banking contacts and industry secrets have the highest approvals. Where other finance managers fail we approve!!


You have developed, maintained and protected your credit, don’t you want a bank to recognize this in the form of a reduced interest rate?

We can reduce your rate even further than your personal bank can, as well as tailor the structure of your payments to your needs because we only use dedicated banks with specialized programs for good credit auto loans. There are also other perks only available to our prime credit customers.

Woman holding car keys and man standing by their new car in a dealership


Looking for the best deal on a car lease in Winnipeg?

We have access to more major domestic (Ford, Chevrolet, etc) and import (Honda, Toyota, BMW, etc) dealerships and leasing companies than any auto group in Winnipeg. This gives you access to many lease programs, the best promotional offers, and not only the major auto leasing but numerous 3rd party leasing companies that have more relaxed leasing requirements. This means that we can outdo everyone else in providing the best options available to you.

girl taking a selfie in front of a red SUV


Do you want the lowest rate on your next SUV lease in Winnipeg?

Providing more lease options than any other company in Winnipeg you will be amazed at the selection of makes and models that we can give you access to. Domestic and import auto companies. Top auto manufacturer leasing companies as well as 3rd party leasing options.

Winnipeg man in a car happy about getting 0% financing on his car loan


Is 0% auto finance a must have for you?

We can provide 0% from many of our dealership contacts. Not all auto manufacturers offer this but we will direct you to the ones that do and if you qualify, make sure you get the most out of the arrangement.

young man with beard in car looking back


Is in house financing the option you are looking for?

There are a few very reputable dealerships and auto groups in Winnipeg that provide this service. We have many very happy clients we have advised in this direction and are now on the path to traditional financing once gain.

To apply for in house financing in house financing Winnipeg (click here)

girl and man in car with sun shining


Are you looking to lease car, truck, SUV or van?

All of our major partners lease from their dealerships. When you choose Mr. Car Loans to assist you we will bring you to the best option according to your needs, whether thats credit history, or your specific desires. Let us do all the work and find the best leasing program for the lowest rate.

Winnipeg auto finance woman in dealership handing you the keys


Do you want the best deal when financing your next vehicle?

Searching for that perfect vehicle thats suits your needs can be a pain in the you know what. Travelling from dealership to dealership (sometimes in the dead of winter) only excites very few people. Then once you find that vehicle how do you know if the finance person is giving you the best rate they can? You don’t. Let us do the leg work and the only thing that will be cold is the cold hard cash you will save on your next purchase.


Zero Obligation. This is the future for smart buyers


Apply Now
Phone: (204) 818-7018
Toll Free:
E-mail: [email protected]


Our Process
How Car Loans Work
Why Choose Us?