Bad credit car loans in Moncton
Buyers in Moncton, New Brunswick with a low credit score, no credit history, or a past bankruptcy get approved and into a car with us. Apply once online and we take care of the rest, close to home in Moncton.
Codiac Transpo serves the core; the warehouses, the hospitals, and the Dieppe and Riverview commutes run on cars. Main routes: Route 2 (the Trans-Canada), Route 15, Wheeler Boulevard, Mountain Road, Main Street.
What are you looking for?
Free, about two minutes, no credit pull.
Financing situations we handle in Moncton
- Low credit score or bad credit
- No credit history
- Newcomer to Canada
- Discharged bankruptcy
- Active or completed consumer proposal
- Past repossession or voluntary surrender
- Accounts in collections or written off
- Previous refusal by a bank or dealer
- Self-employed, gig, or cash-plus-pay-stub income
- Pension, disability, or benefit income
- Divorce or separation on the file
- First-time buyer under 25
Where we work in Moncton
Moncton is the fastest-growing city in Atlantic Canada and the most bilingual place we serve outside Gatineau. Files come in both languages from transport, logistics, health care, and a wave of newcomers who arrived through the province's immigration streams and need a Canadian credit file to start somewhere. New Brunswick charges 15 percent HST on a dealer sale and we build it into the payment. Lenders read Moncton well: steady employers, reasonable housing costs, and a payment that fits is an easy yes.
- 01
Downtown Moncton
Main Street and the Avenir Centre; apartments, service jobs, and newcomers.
- 02
Moncton North
New subdivisions off Mountain Road; young families, two vehicles.
- 03
Lewisville
Older east-end streets near the Dumont hospital; shift workers.
- 04
Sunny Brae
Between downtown and the university; students and first-time buyers.
- 05
Caledonia Industrial Park
Transport and logistics shifts that start before dawn.
Around Moncton, you will find us near
- Magnetic Hill
- Avenir Centre
- Dr. Georges-L.-Dumont University Hospital Centre
- The Moncton Hospital
- Université de Moncton
Vehicles for Moncton
Every vehicle in our network can be delivered to Moncton. Want to see it first? A partner near you shows you the car before you sign. If the right one is not listed yet, tell us your situation and we arrange it.
New vehicles are being added. Tell us your situation and we arrange a car that fits, financed and delivered to Moncton.
What could your payment look like?
Move the sliders to see an estimated payment. This is not a quote. The real rate is set by the lender based on your file.
What we take care of in New Brunswick
You bring a driver's licence and proof of income. We handle the paperwork, the registration, and the lender, and we tell you exactly what the final number includes.
- Your partA valid driver's licence, recent pay stubs or a job letter, and proof of address. Newcomers add proof of status in Canada. That is the whole list.
- Liens and historyWe search the Personal Property Registry for liens and pull the vehicle history before you ever see the car.
- Motor Vehicle InspectionEvery vehicle carries a current New Brunswick inspection sticker, so there is nothing to fix before it can be plated.
- Plates and registrationWe prepare the bill of sale and the Service New Brunswick paperwork, and we coordinate the insurance binder so pickup is one visit.
- Taxes and the final number15% HST is built into the financing. The payment we quote is the payment you make, with nothing added at the desk.
Questions people actually ask
Do I need to visit a dealership in Moncton to apply?
No. You apply online first. We contact you, and you visit a lot only when there is an approval and a vehicle worth seeing.
Can I get a car loan in Moncton with bad credit?
Yes. We get buyers in Moncton approved with low scores, no credit history, and discharged or active insolvencies. What matters most is steady income and an affordable payment.
Are the cars and lenders local to New Brunswick?
The lenders finance in New Brunswick, and registration, insurance, and the sale itself follow New Brunswick rules. The vehicles come from our whole network: anything in our inventory can be shipped to you, and we handle the inspection and paperwork New Brunswick rules require.
I just moved to Moncton. Does a new address hurt my application?
No. A new lease or a utility bill in your name is enough for proof of address. Lenders care that the address is real, not that it is old.
Can the car be delivered to Moncton?
Yes. Every vehicle we list can be delivered to Moncton, and if nothing listed fits, we source one for your situation. Want to see it before you sign? A partner near you shows you the car. Once the paperwork is signed we arrange delivery in New Brunswick, or a pickup that works with your shifts.
Nearby communities we also serve
Know in two minutes.
Free, about two minutes, no credit pull.