Let's Get You Approved for A New Car!

Make an Inquiry

Looking for a more exact idea of your credit options?  You can fill out a more in-depth application here.

Establish or Re-Establish Credit

Do you have no credit history or credit history in need of some rehabilitation? You may have more options than you think! Whether you're new to credit, new to the country, restarting your life after bankruptcy or divorce or a great deal number of other things that can affect credit, if you are committed to rehabilitating your credit, we can help.

Why is a car loan the best choice to improve your credit?

Unlike credit cards, the bank has more security in lending you money for a car because the value of the vehicle is maintained and the bank has the option to repossess the vehicle if you were to stop making payments.  Given that you are dedicated to improving your credit and therefore aren't likely to be missing any payments, this can be the fastest way to establish or re-establish credit.  You may not be able to immediately qualify for the car of your dreams, but the idea is to start small and consistently make your payments so that you become considered a reliable borrower.  We would like to help you gain the financial freedom to drive the vehicle you want, not one you're stuck with.

Check out our Financing Application and see how we can help.

Common Auto Credit Questions

What do I need to get an auto loan?

The biggest requirement is consistent monthly income. If you're working regularly, or have income from a pension or long-term disability, there's a good chance we can get you an affordable auto loan.

How high will the interest rate be?

Every person is different, and interest rates for auto loans can vary widely. If you have less than ideal credit, there is a good chance you'll have a higher interest rate than someone with a perfect credit score.  But it doesn't have to stay that way! If you are committed to making your monthly payments and improving your credit score, in a couple of years you may be able to refinance your auto loan and get a lower interest rate.

What kind of vehicle can I get?

That really all depends on your needs. If you are rebuilding your credit, start with what you need and the latest features will come later. Sub-prime financing has stricter guidelines on the vehicles you can be approved for, but that helps you as well, as it helps to ensure a strong value in the vehicle for years to come. Whitby Oshawa Honda has one of the largest pre-owned inventories of vehicles in the province, from small cars to big trucks. Our goal is to get you into a vehicle that suits your needs and budget. If you only need a small car for commuting, we're not going to try and convince you to drive a big truck. We're here for you, so tell us your needs and we'll find a vehicle that make sense for your lifestyle.


Whitby Oshawa Honda

300 Thickson Rd S
Directions Whitby, ON L1N 9Z1

  • Sales: (888) 448-7271
  • Service: 855-688-2275
  • Parts: 855-571-7275


  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 6:00pm
  • Sunday Closed