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Oshawa Bad Credit Car Loans

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“The Easier, More Functional and Efficient Way To Get The Car Loan You NEED For the Car You Want in Oshawa with Good, NO or Bad Credit.. All Online and All Within 24 Hours or Less. Try Approval Team For FREE.”

Known as the Golden Horseshoe and located 60km east of Downtown Toronto is the city of Oshawa. It is the sixth largest populated city in Ontario and quickly becoming one of Canada’s fastest growing economies.

With great schools and recreational opportunities for families, affordable home ownership and an abundant amount of festivals, there is so much more to love about Oshawa.

Oshawa is named the “Automotive Capital of Canada” due to its close relevance with the automotive industry. The city has been home to many manufacturing facilities that build cars and has been the heart for many research facilities that advance automotive technologies.

As Canada’s famous “Motor City,” Oshawa has a complex of road networks that allow traffic to go in and out of the city. For instance, Highway 2 and Highway 401 both pass through Oshawa. Although the city is bisected by many wide highways, its inner roads are tight, which is why there are many one-way streets in Oshawa.

Due to this, it can be a challenge to drive in the city if you are a new driver or you are not familiar with Oshawa’s traffic. Hence, it pays to have a car insurance when traveling in this city in case you run into any road trouble.

Interesting Facts About Oshawa


Over 170,071 residences, with an average household income of $90,000


Peony Festival, Fiesta Week, Metis Festival and Autofest are some of the famous festivals


Oshawa Senior Citizens Centers have an annual membership for just $10


Oshawa Creek trail, Oshawa Valley Botanical Gardens and Lakeview Park with its popular beach, Harmony Valley Conservation Area for families to enjoy


University of Ontario Institute of Technology and Durham College.


The Oshawa Generals have more Memorial Cup wins than any other OHL team

  • I had excellent service from Javon through Approval Team. I needed a new car asap as somebody had hit my car and it was written off. He was helpful with finding me the type of vehicle that I was looking for. It took less than a week for everything to be set up and then he delivered it to my house. He literally took care of everything that he could. I just had to get a void cheque, contact my insurance broker and then sign the paperwork! The process was super easy and it was an efficient way of getting a new car.

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  • I just trade my Chevy Cruze for a Mazda3 in really good condition. So I’m really happy and exited about this new upgrade for me. People in the office is really nice and will help you in anything they can when getting a new car.

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  • karen robinsonkaren robinsonGoogle Review

    Clive is the one who helped me out and he did and amazing job helping get into my new vehicle.

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  • kevin comtoiskevin comtoisGoogle Review

    Daniel u are amazing and Tom thank youwas amazing from start to finish of purchasing my new car. He listened to what I was looking for and found the perfect vehicle for me. He kept me well informed and up to date on everything that was happening with my vehicle and if I had questions he was happy to answer and never made me feel like I was inconveniencing him. Thank you Tom for getting me a wonderful deal and staying within my budget.daniel thank you for taking the time to go over the car with me and pointing out the special features it has you were very knowledgeable when it came to the vehicle and thank you for delivering it.

    I will recommend to all my friends and family

    Love my Nissan Maxima

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  • Basil HassanBasil HassanGoogle Review

    Thank you Approval Team and Cassandra for paying me for referring my friend. You can make some extra money by referring a friend. Referral program is not a JOKE!

    Get a car and tell a friend for extra cash!

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  • Nathan CarrollNathan CarrollGoogle Review

    I worked with Hayden. Great guy. Then did everything they could to help my wife and I get her a car. When my credit was toast and wife had no credit. Thanks guys.

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  • akhil reddyakhil reddyGoogle Review

    I got a VW jetta 2015. It was a great pleasure working with ALI, he took all the stress and didn't let me down at any point of time. I literally took 0% stress and thank you Ali for bearing me. I had a great time with him and I never gonna forget u guys.

    Thank you Ali, you are the best!

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  • Thank you Natalia for getting me my Ford Edge. You helped me and I am really happy with my car. I would recommend everyone to contact Natalia if you need help getting a car she will help you.

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  • Angela ChandlerAngela ChandlerGoogle Review

    Dealing with Erin from the approval team was the easiest and most positive experience I have ever had. Erin answered my questions and calls quickly and put me in my new 2017 Hyundai Accent in 7 days. I will definitely be using the approval team again in the future and most definitely Erin!! Thanks so much.

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  • Cassie GodfreyCassie GodfreyGoogle Review

    Thank you so much to Shawn from the Approval Team. I'm a tough customer to please, but he went out of his way to get me exactly what I wanted, and even delivered it to my door 2 hours from Toronto for FREE! My car was registered in my name, plated and ready to be on the road the second it pulled into my driveway. Shawn helped eased my mind as a first time car owner. He was extremely helpful and professional and I would recommend the Approval Team to anyone looking to buy a used car.

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  • Its FlamistIts FlamistGoogle Review

    Working with Sab was a great experience he answered all questions we had and was a great help with getting a car in the right price range and was very polite and respectful I WOULD RECOMMEND FAMILY AND FRIENDS TO THE APPROVEL TEAM

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  • Jae Baz VevoJae Baz VevoGoogle Review

    On behalf of Ehigie family , we are so thankful @ Steven!! I know for sure God send me an angel when my family needed help. This is the first car dealer I aver worked with and that showed me and my family that it's more then business, they helped us like family, with care they understood us ,supported us %100% !! Bless you more Steven U shall succeed Doubles Doubles in your business! Bless your company and all your coworkers!! You guys are the real meaning of 'car dealer'. Approval team you guys are the best!

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  • Susy WickensSusy WickensGoogle Review

    I would like to give javon Richard's a big thanks for helping me to a car that I needed an for being so nice an getting me everything I for my car an making sure I was well taken care of I highly recommend buying a car from such a big help thank you so much for all your help

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  • Krystal ContantKrystal ContantGoogle Review

    I found out about Approval Team through Facebook, once I was approved Daniel contacted me. He was excellent in every way possible. He kept me informed throughout every step and I couldn't ask for better service. Great friendly service. They had two people from pass Toronto deliver the new car to my house in Blind River. They were wonderful signed the papers and the car was ours that day the delivered. I want to thank Daniel for all of his help. My husband, kids and I love our Nissian Rogue.

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  • Melesia MorrisonMelesia MorrisonGoogle Review

    Had a hard time finding a vehicle for my family and I. Came across the Approval Team online..they were quick to reply to my application. Gord helped me to get into a reliable vehicle and made the process quick and easy...Thanks for all the help????

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  • Brittany DzijackyBrittany DzijackyGoogle Review

    Ian was great to work with. Earlier this year I hit a deer and my suv was written off. I desperately needed a vehicle because I was 9 months pregnant and have an almost 2 year old already. In the last few days of my pregnancy the last thing I wanted to do was start looking / test driving vehicles. I put my trust into Ian and he did all the work and found something reliable and safe for my family. We ended up getting a 2017 Dodge Journey and couldn’t be more happy with it ! It is very roomy for our family and is just perfect for us. Thanks again Ian !! You were such a huge help and took so much stress off of us ! I would definitely recommend!

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  • Temitope OlanrewajuTemitope OlanrewajuGoogle Review

    Thank you Baraa for your exceptional service and support throughout the process of buying our new car. You did everything within your power to satisfy us, you always answer our calls promptly and you are dependable. At some point I thought this quality of customer service is not real. Your team members were also awesome. Thank you. I would be recommending you to my friends.

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  • Tariq AbuelgasimTariq AbuelgasimGoogle Review

    Approval team delivered my 2017 Sentra last Saturday. I want to say thank you Cassandra! She was very helpful, and the service was prompt and amazing! Highly recommend them.

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  • Thank you New Car Canada for helping me get into a newer vehicle after my '06 Honda Pilot finally bit the bullet. Approval team delivered my '17 Nissan Pathfinder last night. Beautiful machine. My wife and kids cant get enough of it. Special thanks to, finance manager, CASSANDRA VASSOS for helping me out. Within 12 hours she had me financed and knew what I was looking for. Within 48 hours, I had selected my new vehicle and awaited delivery. Cassandra was only a call or text away through the whole process and we still remain in contact after the deal was done. This is how real customer service should be. Thank you Cassandra. Merry Christmas and Happy New Year from my family to yours.

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  • Michael Ola-PetersMichael Ola-Petersa job well done 🙂

    Appreciate the discussions and help getting what I wanted as soon a possible. They were able to work around my schedule and keep up communication with me when required as well. Shout out to Natasha for a job well done 🙂

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  • Sylvester BartleySylvester BartleyGoogle Review

    My agent name is Arash, from the beginning he was very understanding and very professional. From my appointment to receiving my car they were very nice to me in trying to get me what I am looking for. I would definitely recommend them to anyone who needs their help.

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  • paul hodgepaul hodgeGoogle Review

    Joy was a pleasure to work with through the entire buying process from getting financing to the very end day of delivery and follow up afterwards
    I couldnt be more pleased with the service or the purchase I made
    Thank you Joy

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  • Outstanding service and such a positive experience. I need to give a big shout out and thank you to Linnie Blas who was there for me every step of the way! I Very genuine, personable, and passionate about helping me find the best vehicle specifically tailored to my needs. I was amazed and thrilled with the simplicity and convenience of doing business with the “Approval Team” all from the comfort of my home. Also, thank you to Mike, the driver, who brought our new vehicle to us and in turn drove our trade in vehicle back. I am one happy customer and would recommend the “Approval Team” to anyone looking to purchase/trade-in a vehicle.

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  • PrOud MomMA OF 4 FrM mANitOULinPrOud MomMA OF 4 FrM mANitOULinGoogle Review

    THUMBS WAY UP!!! IM SUPER PLEASED AND STILL CANT BELIEVE IM DRIVING MY VERYY 1ST SUV DELIVERED STRAIGHT TO MY DOOR STEP!!! I wanna thank VIVIE & MARKY MARK AT The APPROVAL TEAM ... they did an amazing job at making me feel like I absolutely CAN HAVE WAT I WANT!!! THEY WORKED FAST N HARD AND REALLY ARE THE BEST AT WAT THEY DO!!! Thank you guys so much!! Yous made a family very happy & excited!! ???????? ????????☺️????????

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  • Living InspirationLiving InspirationGoogle Review

    I had the pleasure to work with a customer service representative named Joy. Let me tell you, she truly lives up to her name! She was so much help when it came to helping get my first car! I absolutely love it and I’m so grateful for her recommendations. The approve group does their job and helps you along the way with anything you need. Thankful to have stumbled upon them and grateful for their help. I will most definitely recommend them to family and friends and will look to them in the future for another car ????! Thank you guys so much and thank you Joy ☀️

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  • Tefiney H.Tefiney H.Google Review

    Such an amazing car buying experience! Cassandra from the Approval Team was awesome from the beginning to the end of this process. She was quick, in constant communication and sealed the deal in what seems to be record time. I've shopped around for awhile to get a new car, but I knew after interacting with Casandra, I would be a fool not to put my trust in her and her team! I suggest anyone wanting to buy a vehicle go to them first, you definitely wont regret it.

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  • I reached out to the approval team because I was getting sub-prime rates that were way too high! Vany and Erin from the Approval Team did a great and efficient job of getting me approved and finding me the car I wanted. They gave me the right guidance through out the stressful process of buying my car. When visiting the office, I was greeted with an uplifting conversation with Sofie and a few other members of staff that were extremely polite, warm and welcoming. Thanks Approval Team for your service!

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  • I didn't know selling a car could be so easy! The experience was incredible throughout and Aleks was one of the nicest person I've ever encountered. You could also make some money under the current used car market environment. Simply go and have the car appraised and get paid right away. Dealing with them is easy and worry-free.

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  • Bought a GMC Terrain from Approval Team, Linnie Blas handled everything for me and had me in the car in no time, she was quick, responsive and very straightforward with how the whole process will work. She answered all my questions and made me feel confident that this purchase was the right car for me. Would definitely recommend Approval Team and will be looking forward to buying another vehicle from them again.Evo Doge

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  • Amanda SchaeferAmanda SchaeferGoogle Review

    David Morris is the most hard working human being and he went above and beyond for me. After having bad experiences with other dealerships taking advantage of me and thinking I would never get into a new car David got me into a 2017 Kia Optima.

    He worked his butt off and constantly was in contact with me always letting me know whats going on and went out of his way to even find me snow tires and put them on for me for delivery.
    This man will bend over backwards for his customers!

    If you need a car call approval team and ask for him!

    Thanks David &Approval team for all your hard work and help.

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  • Jason FawcettJason FawcettGoogle Review

    Traci, has been an exceptional help from the beginning to the end of this process! She was able to make valuable suggestions, and guide me. Traci was very friendly, and well spoken! I would say it was one of the best sales experience to date ! Job well done ! Thanks again ! Traci ! All the best in your future endeavours!

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  • manouche malumanouche maluGoogle Review

    Daniel helped me so much to get my car I don't know if it wasn't for him I'll be able to get the car so keep up the good job that was so awesome thank you so much

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  • Mary GeorgeMary GeorgeGoogle Review

    Cassandra has been a phenomenal help to us and our family, helping us get the car that we wanted and working past her hours to ensure that our needs were met. She helped us get our first car a year and a half ago, and we loved her customer service and manager skills that we tracked her down and traded in our vehicle with her. Cassandra is very down to earth, courteous, honest and very trustworthy! She keeps her promises and ensures to get you the best rate and car for your money!

    Matthew dropped our vehicle to us and was very polite and also very patient as we went through each document that needed to be signed without feeling pressured to hurry through the process. Very friendly and also humble.

    I asked about receiving a copy of an important document and immediately he was on the phone with his manager and rectified/problem solved.
    Approval Team is Wonderful! Thank you for making this experience a great one! Anyone purchasing a car, ask to speak with Cassandra and the car delivered by Matthew! Great people, great team! Referrals for sure coming your way! 🙂

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  • Thank you to Mounir at the Approval team for setting me up with my new Nissan Sentra!! The process was very easy going and I highly recommend them to anyone looking to get a newer vehicle.

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  • It was a fantastic experience and even a greater experience dealing with Linnie Blas. Never bought a vehicle over the phone but after talking to Linnie I have no fear in doing it again. She couldn’t do enough for us. Anything I asked from her it was immediately taken care of from sending me pics to sending us a complete list of accessories to even sending the Kia Soul out to have a complete trailer hitch installed before delivery. The best part of this whole experience was car came completely detailed and a tank of fuel and then delivered right to my front door when promised,so who could ask for more. Again our sincere thanks to Linnie and her team and for sure I will in the future be calling her when ever I consider a change. She’s one fantastic lady and she told us if there is anything we don’t understand to call her anytime. Now that’s what I call phenominal customer service. Thanks Linnie for everything you did to get us into our new vehicle. Sincerely Jim & Carol

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  • Karen WilliamsKaren WilliamsWonderful experience

    My experience with the Approval Team has been wonderful I love the driving my 2014 Chevy cruz drives like a dream and I love it! Thank you so much Shemar and the wonderful staff at Approval Team. Big up

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  • Thanks so much to everyone on the Approval Team, especially to Hayden for going above and beyond the entire process to get myself a vehicle. Though I know that my situation is very tough from the get-go, Hayden was able to assist me find not only an amazing car but also in a price I can afford! Once again, I really appreciate everything. I will definitely recommend Approval Team, 100%!

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  • Myrabel BarrientosMyrabel Barrientosfast and simple

    My experience with Approval Team was fast and simple. It is my second car with them. I am happy with the outcome. Linnie was such great help. Delivery was smooth and easy. I recommend going to Approval Team. Thank again Linnie.

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  • isaiah andersonisaiah andersonGoogle Review

    Strongly advise to use this company. Very well service, quick responses, great prices for financing and great with helping you with everything you need for your next car.

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  • I recently purchased a car here with the help of Jas, he was very helpful and got me exactly what I asked for at a great interest rate.

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  • I personally worked with Steven to get my car loan approved. The process was superb! Thank you so much! We are definitely returning for future purchases, although I think I’m keeping this car longer than I had anticipated. It’s beautiful and comfortable ????

    Already family and friends are excited about the loan process. Not only is one getting a vehicle and becoming independent of a co-signer, but rather growing their credit for future reliability and a peace of mind.

    Tess ????

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  • Richard PooleRichard PooleGoogle Review

    Orlando Palacios was very helpful from my first enquiry communication to conclusion of our vehicle purchase and remains in contact to ensure complete satisfaction. He is a pleasure to deal with and, if we need another vehicle, am assured he'll take good care of my needs.

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  • Tim WadeTim Wadebest car buying experiences ever

    This is Tim Wade and all I can say is thank you so much Kristen one of the best car buying experiences ever. I was very set on exactly what I wanted for my next car and even though my credit isn't great you found and exceeded the exact car I was looking for. You and the approval team had everything done and the car delivered to my door in such a quick and timely manner it was just awesome. All I can say is it was a great experience and thank you so much.

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  • Shemar and Mounir are one of the most honest people I have met in Canada
    They made my wife and I feel like family from first moment we got into the office.
    They went out of their way to get us out of a difficult situation and we will forever be grateful.
    I will be bringing more business to you soon.
    Thank you so much

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  • Mark JordanMark JordanGoogle Review

    Would like to thank Goran from the Approval team for getting me into a decent vehicle with my poor credit. Great good and thanks for all the help. I Would recommend the Approval team to anyone looking for a helpful and easy way to buy a vehicle.

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  • I had been contemplating about upgrading my car for a few weeks and was wondering if the option to refinance at a better interest rate was even a possibility. Until one day, I received an email from Linnie at Approval Team.

    She had reached out to see if I was interested in trading in my current vehicle for something newer and more reliable. I decided to entertain the email, and give Linnie a call just to see what my options were.

    Linnie contacted me on January 26th, sent me vehicle options the following day and within a week I had my new car delivered at home!

    The experience was extremely pleasant, quick, professional and hassle free!

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  • Mike KinseyMike KinseyGoogle Review

    Hi Cassandra, We would like to thank you for making the whole experience of purchasing our "New to us" truck a pleasure! Right from the initial request we made online for pre-approval to the delivery of our truck last night - this has been so simple and easy - no hassles - no surprises - just a great truck at a fair price with a straight forward financing and warranty package. I have to say that we were a bit nervous in buying a vehicle basically online with only seeing it in person when delivered to our door - but with only needing to sign on the dotted line after our inspection, drive test, and approval - we are very pleased. The truck exceeds our expectations - very clean and nicely detailed. Also a thank you to your delivery drivers - they were awesome to deal with. We would highly recommend you and your team - 5 stars.

    Have a great day!

    Michael and Jacqueline Kinsey.

    Aylmer, Ontario.

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  • jeff walkerjeff walkerGoogle Review

    I would like to think Cassandra for taking the time to find in the vehicle for me to purchase if you ever get a chance to go down and meet her she is amazing woman and she is very helpful finding the right vehicle for you And taking the time to get to know what your needs and wants are In putting you in the right vehicle

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Busting Road Myths in Oshawa


Myth 1: Oshawa only has General Motors cars.

False! Most car buyers in Oshawa prefer General Motors cars but there is still a significant percentage of people who buy other brands. Other popular car brands in the city include Ford, Nissan, and Honda.


Myth 2: The most accident prone intersection in the city is Bloor Street and Simcoe Street.

False! Contrary to popular belief, although this intersection has many accidents, they are mostly minor in nature. More major accidents are recorded annually on the intersection of Ritson Road and Bond Street. 


Myth 3: You can’t find top universities in Oshawa.

False! The University of Ontario Institute of Technology, a premier learning institution, is located in Oshawa. Moreover, Durham College can also be found in this city along with one of Trent University’s satellite schools.


Myth 4: The part of Highway 401 in this city will receive massive road widening and will soon offer four lanes.

False! There is no confirmation regarding a road widening project in this area.

At the Approval Team, you can take advantage of limited offers, discounts and amazing promos. They consult with reputable local car dealerships in Oshawa so you can get a jump on the best deals in the market. The best thing about Approval Team is that their services are absolutely free with zero obligations.

If you don’t like their offers, you can just cancel anytime for free. Furthermore, they don’t require any down payment on any car you pick. There’s really no reason why you should pass up a great opportunity like this.

Oshawa has been manufacturing vehicles for over a century and they’re mainly a GM town, with the top choice of residence being a Chevrolet model.

With a city mainly anchored to the automobile industry, buying a car in Oshawa shouldn’t be a problem. Make your car buying experience easier and hassle-free through great auto loan options offered by Approval Team.

At Approval Team, we can give you an ease of mind when purchasing a new vehicle with our fast, reliable services and 99% approval rate. What better way of getting around the beautiful and growing city of Oshawa.