Frequently Asked Questions About CarCreditHero

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What is Car Credit Hero?

Car Credit Hero is a service for credit challenged or no credit Canadians looking to buy a new or used vehicle. Car Credit Hero specializes in getting you approved on a new or used auto loan – no matter what kind of credit you have. Car Credit Hero is located in Port Hope Ontario and gets bad credit auto loans approved for anyone in the Oshawa, Trenton, Peterborough, Whitby, Cobourg and Belleville areas. Car Credit Hero in Port hope also helps repair bad credit and get no credit car loans approved for anyone one, anywhere in Ontario. Apply now or click here for more details.

What is considered Bad or Poor Credit?

Bad Credit, Slow Credit and other Credit challenges can vary. Our Article page and Testimonial page have real life examples that highlight the everyday credit struggles many Canadians go thru. The good news is that Car Credit Hero devotes 100% of its time to overcoming these challenges and getting all types of credit approved, no matter what your credit history is like. 

Is bad credit really that common?

With predatory lending practices, identity theft and now an unstable global economy, it’s no surprise that many good people are struggling with their debt. Often they have a hard time keeping up with their credit obligations and unfortunately that can hurt their credit scores.

Over 25% of Canadians carry between $10,000 and $40,000 in debt and a recent study shows that more than half of Canadians under the age of 50 spend more money than they make. In 2008 a study was released that showed Canadian Bankruptcies are up 17% over the previous year. These facts coupled with increasing evidence that more and more Canadians are missing payments and sometimes defaulting on their loans, show just how common bad credit has become in our society. Unfortunately these Canadian poor credit statistics are present throughout the country, especially in Ontario where Car Credit Hero operates. Good people with bad credit in Oshawa, Peterborough, Cobourg, Whitby, Trenton and Belleville sometimes struggle with their credit and auto loan declines. Fortunately we can help.

Car Credit Hero was founded to help good people overcome bad credit. Most banks and lending institutions put profit first but through a combination of strong lender partnerships, advanced credit knowledge and a non negotiable mission to get credit challenged customers back on their feet, you can always count on Car Credit Hero putting you first!

Does Car Credit Hero sell new or used vehicles?

The inventory at Car Credit Hero is a huge mix of new and used vehiclesall makes and models. View our always expanding used car inventory here. If Car Credit Hero doesn’t have the car you want, we can get it.

Will Car Credit Hero take my current vehicle in on trade?

Car Credit Hero will always give you the best value for your trade in vehicle. Whether it’s an older auto loan, current lease or even your first car, Car Credit Hero will offer you top dollar for your trade. Our expert staff specializes in auto appraisals and this service is always free!

If you live in the Oshawa, Peterborough, Cobourg, Belleville, Trenton, Whitby or Bowmanville areas then you are just minutes away, so we can give you a fast and free appraisal of your trade in no time. Apply now or contact us for more info!

What is the process?

The process is as simple as 1, 2, 3.

APPLY - First apply using our easy & secure online Credit Application for FREE
CHOOSE - Select the vehicle you want from our Online Inventory
DRIVE - Schedule an Appointment to work out the payment you want and pick up your new or used vehicle.

How much money do I need to make?

If you’re an Ontario resident and make a minimum of $1800 gross per month. Then you may qualify for a new or used auto loan. Apply now.

Is your service really FREE?

Absolutely! We cover the costs of our business and our superior service standards by selling cars, not by charging you excessive fees or billing you for our time. Our goal is to get you approved and into the car that you want. If we can’t get you approved – then we don’t deserve your business. Fill out our FREE & SECURE credit application.

Do I need any money down?

Everyday Car Credit Hero helps new credit and credit challenged customers finance their new or used car with no money down. Car Credit Hero is here to make the deal work for you, so we will work with you and the bank to get you the car you want with the money down you have. See our testimonial page for real life bad credit auto loan situations from good people in the Oshawa, Trenton and Peterborough areas for example of NO MONEY DOWN CAR LOANS!   

Will my auto loan be an open loan?

Yes! Car Credit Hero works with many banks and finance companies that offer open loans. We will always get you the approval on the contract you want. Unlike other companies that claim to repair your credit or pressure you to sign contracts that do more harm than good, Car Credit Hero will fully disclose the type of agreement you enter into and will never put its customers into a loan they cannot afford or don’t understand!
You can pay out your new or used auto loan whenever you want – with no fee’s or penalties. If you want to trade in your vehicle for a different one, then we guarantee you an even lower rate!

Where is Car Credit Hero?

Car Credit Hero is located on Hwy 401 in Port Hope, Ontario. Because of our position on the highway our services are available to neighboring communities like: Cobourg, Oshawa, Bowmanville, Peterborough, Trenton, Belleville, Whitby and their surrounding communities. Click here for our map and contact details.

What kind of auto loan payments do you offer?

We schedule your payments to match your pay cheque. Car Credit Hero can set up your auto loan with a weekly, bi-weekly, semi-monthly or a monthly car payments!  

How can I re-establish my credit?

Your Credit Bureau is snap shot of your credit history. If the last activity on your credit bureau is derogatory – then that’s all a bank or finance company has to base its decision on. The best way to re-establish your credit after having missing payments, written off a loan or having a bankruptcy is to start proving yourself again. Auto loan history leaves some of the strongest impressions, so getting and paying one on time will benefit and correct your credit the most.

Every auto loan Car Credit Hero puts together is registered to report with all Canadian Credit Bureaus – that’s means every payment you make on time is helping you work towards repairing your bas credit and a stronger credit history.

Can you lower my interest rate?

Yes. If you’re successfully paying a high interest auto loan, Car Credit Hero can often reduce your interest rate. If you come back to Car Credit Hero and finance with us again – We can guarantee you an ever better interest rate.

Car Credit Hero and their parent company have reduced interest rates for customers all over the Peterborough, Cobourg, Port Hope, Oshawa, Trenton and surrounding areas, apply now and you could be next to get a lower interest rate on your auto loan!

Which banks does Car Credit Hero deal with?

Car Credit Hero only works with the most trusted and respecting finance institutions in Canada. We deal with almost 10 different banks and finance companies. Our process ensures that you – the customer – benefits from the best rates and best finance options available.  

How long is the Credit Application process?

2 minutes. Don’t believe us? Get auto loan approved NOW by clicking here.

What if I’m past due on my credit card or behind on other loans?

If you’re struggling with your credit card payments or you’re past due on any of your other loans, Car Credit Hero guarantees it can get you approved. We specialize in slow or past due credit.
Even if you have collections or a judgement on your credit bureau, we can still help. We deal with every kind of credit situation and pride ourselves on having the expert knowledge required to get you approved and driving the car you want – no matter what credit you have.

What if I have a repossession reporting on my credit bureau?

If you had an auto loan repossessed or written off. We can still help. Car Credit Hero can get you approved at a competitive interest rate even if you have a repo reporting on your credit bureau. Apply Online or Contact Us now.

Can I finance a car with no credit?

Yes you can. A car loan is generally the best and strongest way to start your credit career. If you’ve never had any kind of credit, you still deserve that opportunity. Car Credit Hero specializes in getting people approved on their first loan. We are experts at getting young and first time buyers into car loans. Apply now.

I’m bankrupt can I still get a car loan?

Yes. When you’re bankrupt you still have obligations to make every month. It’s unfair to ask you for regular bankruptcy payments but decline you the means to get to work. Car Credit Hero can get you financed in a new or used auto loan inside of your bankruptcy, consumer proposal or even credit counseling. If you’re discharged from your bankruptcy, consumer proposal or even your second bankruptcy – Car Credit Hero can help. That’s right even if you’ve been bankrupt twice we can get you approved and driving a new or used car loan. Apply now.

Do I need a co-signor?

A co-signor or co-applicant can always help you but often is not required. Our credit experts will work with you to properly explain what co-signing means for both you and your co-signor. Thousands of Oshawa, Cobourg, Trenton, Belleville and Peterborough area residents with poor or no credit histories are driving co signor free auto loans right now!

Apply now or contact us for more info.

What area does Car Credit Hero service?

Car Credit Hero services all of Ontario. We are located on Hwy 401 in Port Hope, Ontario and our customers frequently come from the following areas: 
Port Hope ,Cobourg, Colborne, Welcome, Newcastle, Bowmanville, Courtice, Oshawa, Whitby, Ajax, Pickering, Scarborough, Toronto, Mississauga, Trenton, Peterborough, Lindsay, Belleville, Kingston and area.

I live far away and don’t have a car…What should I do?

Contact us or apply now. We offer FREE PICK UP OR DELIVERY, ANYWHERE IN ONTARIO! That’s right! If you don’t live in the Oshawa, Peterborough, Belleville, Cobourg, Port Hope, Trenton, Whitby, Scarborough or surrounding area OR you don’t have a ride, we will drop off your new or used vehicle, come pick you up or even pay for your transit here.

I have bad credit or no credit, can you help me get a credit card?

Yes we can. Car Credit Hero partners with banks that offer credit cards to credit challenged or no credit customers. Car Credit Hero can help you get a credit card to establish your credit as part of your auto loan or on its own. Visit our 100% approved credit card page now or call for more information.

How do I apply?

Apply now by filling out this 100% Free, Fast & SECURE Online Credit Application. Apply over the phone by calling us or come and see us to apply in person. No appointment is necessary. Click here for contact and location information.


Do you have more bad credit car loan questions? Visit our About Us page to see how Car Credit Hero can use its superior auto loan and credit experience to get you approvedon the car loan you want today.

Did you know that Car Credit Hero can get you approved on a car loan or auto loan inside of bankruptcy? That’s right our credit experts can get any bad credit or bankruptcy (even consumer proposal) situation approved on an auto loan. Apply online now and you could be approved in minutes.

You can be driving your new car or truck loan as soon as the next day. Car Credit Hero is just a short trip from the following places:
Cobourg, Peterborough, Oshawa, Courtice, Bowmanville, Newcastle, Belleville, Trenton and Lindsay Ontario…if you don’t live in the Oshawa or Belleville areas, it’s ok, Car Credit Hero can get bad credit car loans approved all over Ontario. Apply now.

To visit our auto loan experts in Port Hope from Peterborough just take hwy 28 South to Port Hope. If you need more directions visit our Contact Us page or call 1-866-977-HERO.

Need a used car loan or bad credit auto loan in Belleville? Car Credit Hero is just a quick drive West to Port Hope on hwy 401. Oshawa bad credit car loan buyers are only a short 20 min drive away. Just get on hwy 401 in Oshawa and head East to Port Hope.  

FREE PICK UP OR DELIVERY ANYWHERE IN ONTARIO. That’s right even though most of our bad credit or bankrupt auto loan customers live in Port Hope, Cobourg, Peterborough, Oshawa, Belleville or Bowmanville, Car Credit Hero services ALL of Ontario. Do you have bad credit, need a car loan but can’t make it to Port Hope? Car Credit Hero will deliver your bad credit car loan to you or pick you up! No matter where you are, you can be approved for a poor credit car loan or bankrupt credit auto loan!