The Smart Way
To Finance Used Cars With ​
Bad Credit In Winnipeg

1. Pick a Vehicle
2. Pick a Payment
3. Get Approved ✅

Select your vehicle type and click the blue button

green and white auto finance application with check mark


Apply with our quick & easy – car loan application we will get you approved for a 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

Even with bad credit we can still use our industry secrets to approve and reduce your rate

green and white car with loan approved check mark


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

Let Us Do The Work For You Apply Now!!

Every Make & Model

Why Use Us?

Bad Credit Experts

We specialize in bad credit car loans, using industry secrets & massive bank connections to reduce interest rates

Highest Approval Rate

We know which banks have the best bad credit finance programs. Avoid embarrassing declined financing moments

We Work With You

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

Lowest Rates

We always negotiate the lowest rate with the banks

$0 Down

Zero down available to most clients
*some conditions apply

Vehicle Prices Negotiated

No haggling with sales people, we do that for you

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

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

Cut Out the Middle Men

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

Get Approved Now

Apply. Relax. Drive

Canadians and Winnipegers are no strangers to bad credit these days. Higher costs of living, rising property costs, taxes, child support, alimony, and an unhealthy reliance on high interest credit card debt have put a significant amount of people behind. That’s why it’s so important that we all make smarter decisions when it comes to financing.

Mr. Car loans Winnipeg IS the smartest choice anyone can make when financing or leasing a vehicle. Not only is the service free for you, it saves you time, money, effort and stress.

Imagine yourself going to a dealership, being approached by a sales person, test driving some vehicles, finding one you liked and then going in for financing and you are….. declined. This is obviously something you would like to avoid and if you have had it happen you know that you would like to never experience it again. Not only is it a waste of time, it’s a pretty embarrassing.

Completely avoid this when you use our service. After you have applied online or over the phone, we will pre-approve you and everything will be set up before you even step inside a dealership. Our previous clients have felt much more confident during the buying process knowing we have bargained with the banks, haggled the pice of the vehicle and set up everything for them.

Even if you are declined at first, we will negotiate with the banks and have turned a decline into an approval so many times it’s hard to put a number to it.

When you go to a dealership that advertises “bad credit car loans” or “everyone is approved” you actually have no idea if the business manager (the person who works for the dealership and gets you approved) is any good at their job. We all know there are people who do just the bare minimum if there is no benefit to them, and getting you a lower rate takes time and effort. How often do you think a person who has no attachment to you (or even if they do) will do a few hours extra work for zero profit to them? Unfortunately next to zero. That’s why our clients are so happy because we always go the extra mile.

A large number of the auto finance people do not have the experience, the banks, or solid relationships with the bank reps that actually approve your application. At Mr. Car Loans we only partner with the most experienced finance professionals in Winnipeg. People that have a proven track record of better approvals with the lowest interest rates. Our finance professionals are bad credit car loan experts. They actually specialize in the various situations that fall under “bad credit”. Where other dealerships decline Mr. Car Loans can get you approved.

Whether you would like to be smart and save money or be able to get a higher class of vehicle and more options, reducing your rate is extremely important and that’s only one benefit to our service.

Once we know what the negotiated approval and rate is, we will then begin to search for a vehicle that suits the approval and fits your needs.

Our agents will bargain with the dealership management (not the sales people) to reduce the cost of the actual vehicle itself. Then you can come down to test drive it. No pushy sales. Everything is already negotiated for you. Nice and easy bad credit car loans.

Helpful Stats

Banks For All Credit Levels

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

And more!!


This is the future for smart buyers