You're Fresh Start
Get Approved Today*
We work with lenders that say YES when others say no.
Get approved in minutes and drive away in your next vehicle.
85km from Waterloo — and financing is fully online, so apply from anywhere in Ontario.
Fast & EasyQuick approval process
All Credit TypesGood, bad, or no credit
Drive TodayGet behind the wheel sooner
Get Approved In Minutes
No impact to your credit score to get started!
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We Finance All Credit Types
Good Credit
700+
New to Credit
No History
Fair Credit
550 – 669
Bad Credit
Below 550
Bankruptcy
We Can Help
Consumer Proposal
We Can Help
Self-Employed
We Can Help
*In some cases, a down payment may be required. All applications begin with a zero-down scenario — our finance specialists work to get you approved with no money down whenever possible. Terms and rates vary based on credit approval.
How Our Financing Process Works
1
Apply Online
Fill out our secure online application in just a few minutes.
2
Get Approved
Our lenders review your application and get you pre-approved fast.
3
Choose Vehicle
Pick the perfect vehicle from our quality pre-owned selection.
4
Drive Away
Sign your documents and drive away with confidence!
Real People. Real Results.
★★★★★
“They got me approved when everyone else said no. Amazing service and made the whole process stress-free!”
— Sarah M.
★★★★★
“Very professional and made the process so easy. I'm driving my dream truck now thanks to the team!”
— Jason T.
★★★★★
“They truly care about getting you into the right vehicle at the right price. Highly recommend to anyone!”
— Mike R.
★★★★★
“Fast approval, great rates, and absolutely no pressure. Best car buying experience I've ever had!”
— Lisa K.
Financing for Every Situation
Pick the path that fits. Every situation has lenders who say yes.
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Bad Credit
Low credit score? Lenders that say yes when others say no.
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After Bankruptcy
Discharged bankruptcy is workable. Rebuild credit on a car loan.
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Consumer Proposal
Approved during or after your proposal. Responsible debt counts.
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First-Time Buyer
Buying your first car? No credit history? We've got programs.
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New to Canada
Newcomer programs for permanent residents, work permits, study permits.
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Self-Employed
Bank statement programs for business owners and gig workers.
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Lease Return
Lease ending soon? Know your real options before signing anything.
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Trade-In Value
Honest market-based trade-in values. Even with a loan owing.
Financing Questions Answered
How much of a down payment do I need?+
Many buyers at Car Guy Dealer get approved with no money down. Every application starts from a zero-down scenario and the finance team works to keep your out-of-pocket as low as possible — the exact amount depends on the vehicle, your credit and the lender. Apply at dev.thecarguy.ca to see your number, with no impact to your credit to start. apply for financing →
How long does getting approved take?+
Most applications get an answer the same day, often within a few hours. Apply online at dev.thecarguy.ca before you visit Car Guy Dealer in London and you can arrive already approved. With 4 lending partners, there's a strong chance of a fit for your situation. apply for financing →
Can I get financed after a bankruptcy or consumer proposal?+
Yes. Car Guy Dealer works with lenders who approve after a discharged bankruptcy or during an active consumer proposal — 4 lending partners in total. All credit situations are welcome, including new to Canada and self-employed. Apply at dev.thecarguy.ca for a same-day answer. apply for financing →
Will applying affect my credit score?+
No. The initial pre-approval at dev.thecarguy.ca does not affect your credit score. A formal credit check only happens once you choose a specific vehicle and financing offer, and Car Guy Dealer always tells you before that step. apply for financing →
Can you deliver to Waterloo?+
Yes — Car Guy Dealer delivers to Waterloo, free. At 85km away, delivery saves you the round trip. We handle financing and paperwork remotely so the vehicle simply arrives at your door.
What's the fastest route from Waterloo to Car Guy Dealer?+
The most direct route from Waterloo runs via Highway 401 (via Highway 8) or Highway 85 (Conestoga Parkway) — about a 83-minute drive (85km) to Car Guy Dealer at 3833 Auckland Ave in London. Call 519-555-5555 ext 123 and we'll have your vehicle ready when you arrive.
How much do your used vehicles cost near Waterloo?+
Current stock runs from $18,990 to $102,500, depending on year, make, model and kilometres. Every price is set from real-time market data — no games. There are 1 vehicles under $20,000 right now. Financing is available for all credit situations.
Do you deliver to Waterloo?+
Yes — Car Guy Dealer delivers to Waterloo (within our 35km delivery area), free. Financing and paperwork are handled remotely, so the vehicle comes to you.
Can I buy from Car Guy Dealer without visiting from Waterloo?+
Yes. Buyers 85km away in Waterloo regularly buy without setting foot on the lot — a video walkaround, remote financing, and a Carfax on every vehicle. We deliver right to you.
What bi-weekly payments should I expect?+
Bi-weekly payments on current stock run roughly $154 to $829, depending on the vehicle and your credit — calculated at 7.99% over 72 months, $0 down as a representative example. Get your exact number with a quick pre-approval at dev.thecarguy.ca. try the car loan calculator →
What other Waterloo County towns does Car Guy Dealer serve?+
Car Guy Dealer serves buyers across Waterloo County and all of Ontario, including Waterloo and the surrounding communities. Remote financing, delivery, and virtual walkarounds mean distance is rarely a barrier.
Can I get financing near Waterloo with bad credit?+
Yes. Car Guy Dealer arranges financing for all credit situations — bad credit, bankruptcy, consumer proposal, and new to Canada, working with 4 lenders (TD, Scotia, Lender 4, Test Lender). Apply at dev.thecarguy.ca for a same-day answer. apply for financing →
How does remote financing work from Waterloo?+
Simple. Apply online at dev.thecarguy.ca from Waterloo, we match you to a lender from our 4 lending partners, and you sign digitally — no trip required until the vehicle is ready or on its way to you.
Where exactly are you from Waterloo?+
Car Guy Dealer is at 3833 Auckland Ave in London — about a 83-minute drive (85km) from Waterloo. If you know University of Waterloo, head toward London from there; we're easy to find with parking on site. Call 519-555-5555 ext 123 for directions.
What if the vehicle isn't right when it arrives in Waterloo?+
Every vehicle is Carfax-verified and we send a full video walkaround before you commit, so what arrives in Waterloo is exactly what you saw. If something's genuinely not as described, call 519-555-5555 ext 123 and we'll make it right.
How does the trade-in tax saving work in Ontario?+
In Ontario, when you trade in, you only pay HST (13%) on the difference between the new vehicle's price and your trade-in value — a real saving versus selling privately. Car Guy Dealer accepts all trade-ins with market-based appraisals. get a trade-in appraisal →
What documents do I need to buy a used car in Ontario?+
You'll need a valid Ontario driver's licence, proof of insurance, and banking information for financing. If you're trading in, bring the ownership. For a financing application, recent proof of income speeds things up. Bring those to Car Guy Dealer at 3833 Auckland Ave in London, or call 519-555-5555 ext 123 and we'll confirm exactly what applies to your situation before you come in. contact us →
Is it better to buy from a dealer or a private seller?+
A registered dealer like Car Guy Dealer gives you protections a private sale can't: disclosed vehicle history, safety certification, financing, trade-in, and recourse if something goes wrong. Private sales can be cheaper up front but carry the risk. With 24 vehicles in stock and 16 years in business, Car Guy Dealer offers the selection and track record a private seller can't match.
