Save thousands of dollars when you finance your car with us. Get flexible payment options and save big on your car loan. Apply now and get approved in minutes!

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Experience The Thrill Of The Open Road With Zero Down!

Live your dream and get your dream car now with no upfront payment. Save big and drive away happy with our 0 down auto financing! Your dream car is just a click away!

Apply With Zero Hassle and Zero Worries

Zero down payment car loans for bad credit are a legitimate option for car buyers. While these loans can be a wise choice for some, it’s essential to carefully consider your financial situation and ability to repay the loan before signing on.

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About Zero Down Payment Car Loans

You can get a car loan with 0 down car financing for bad credit also.

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Is It Possible to Obtain Financing with No Down Payment?

Zero-down car financing is available for people with good or bad credit. You can finance a new or used car with no money down and no prepayment penalties. The amount you finance will be based on your income, assets, and credit score — not just your ability to come up with cash at the time of purchase.

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No Down Payment Option at JourneyApproved

At JourneyApproved, we offer low annual percentage rate auto loans with no down payment, so you can purchase a car without a large sum of cash upfront. While these loans are primarily offered to borrowers with high credit scores, we also have options for those with less-than-perfect credit, making it easier to get the financing you need without breaking the bank.

Get Your Dream Car Now With 0 Down Car Loans

You can get approved for a car loan within 48 hours. Here are the steps to make it happen.

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Employment and Income Requirements

You need stable employment for at least three months with a minimum of $1,800 monthly or certain types of government assistance as income.

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Down Payment

A down payment can increase your chances of approval and potentially lower your monthly payments.

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Driver's License and Age Requirements

A valid driver's license with the age of majority in your province of residence is necessary.

Zero Down Car Loans: Maximize Savings

When you opt for car loans with no money down and bad credit, you can enjoy immediate access to your vehicle while delaying payments. However, paying off the loan as quickly as possible maximizes this option. Committing to the shortest term can save you money in the long run. While a long-term loan may seem like a good idea, it often costs more over time due to interest payments. Adding a few extra dollars to your monthly payments can pay off the loan faster and save money on interest.

zero down car financing at JourneyApproved

The Zero Down Payment Solution to Your Financial Woes

Choosing a no-down payment car loan may result in a higher interest rate compared to putting down 20% or more on your vehicle. However, having a cosigner can increase your chances of approval and potentially lower the interest rate. When searching for a car loan for bad credit with no money down, take into consideration the cost of the vehicle and your credit history.

Drive your dream car today with our financing options available now! We provide quick and simple financing solutions for your dream car, eliminating any complications so you can hit the road in no time.

Get a Quote for Your Zero Down Car Loans

Fill out the form below to begin the process of getting approved. We can help you secure a loan today with the help of our auto finance experts.


It depends on your credit score and the vehicle you want to buy. Before you apply, though, make sure you know what kind of car loan you’re looking for — and how long it will take to pay off.

The average credit score in Canada is about 730. To qualify for a no money down car loan, you’ll need at least a 620 or higher. Hence, it depends if you can qualify for no money down auto loans for bad credit.

There are several steps you can take to improve your chances of getting approved for a no money down car loan with bad credit:

  • Pay off debts
  • Apply for financing at different banks and lenders
  • Take advantage of flexible repayment terms

You can try getting a personal loan or line of credit instead of a car loan. These unsecured loans require no collateral, making them easier to procure than auto financing. Also, you can get the manufacturer’s incentives on top of the dealer discount. You will likely be able to negotiate with your bank to get some of that money back at the end of your term.

It depends on your ability to pay back the loan. If you have bad or no credit, this can be an excellent way to show lenders you are serious about making timely payments.

Looking for a Car to Buy Without a Down Payment?

Join the Happy Canadian Car Owners Club: Get approved for your car loan today!