Auto Finance and Credit Help

Professional Advice and Guidance to Help Get You Driving Again

Everyone deserves to drive an affordable, reliable vehicle. We understand that bad things can happen to good people, and you’re more than just a credit rating. In the Oshawa area, even if you have credit issues, you can still get an auto loan. Contact Tip Top’s finance experts today and find out how we can secure you a car loan.


Meet the team!

We specialize in securing auto loans for people with credit issues. We have developed strong relationships with a range of banks and financial institutions in the Durham region, so even if you’ve gone bankrupt, are going through a rough patch,  or have been turned down for a car loan before, contact our team today.



Auto Credit for All



We get it, students live hectic lives. Getting back and forth between work and classes isn’t easy, especially if you’re stuck taking the bus or train every day. Here at Tip Top Auto, we’ll work hard to secure a car loan for you, even if you have no credit. As long as you have consistent monthly income, there is good chance we can get you into a reliable vehicle. Contact our team today.

GET APPROVED    CALL: (905) 623-2366


New to Canada

Welcome to Canada! We would love to help get your new life moving in the right direction. A quality vehicle will help you get settled and into the swing of things. Contact our solution specialist team today; we specialize in no credit car loans. As long as you have consistent monthly income, there is a good chance our team can get you into a quality vehicle and start building your credit portfolio.

GET APPROVED    CALL: (905) 623-2366



A divorce or separation can have profound effects on a person emotionally and financially. Lawyer fees can add up quickly and before you know it, you have credit issues. Here at Tip Top Auto, we understand that life can throw you unexpected challenges. Our Solution Specialists, are here to help secure you an auto loan and get your life back on track. We'll not only help you get into a used car loan, but will provide credit rebuilding tips to keep you moving up and onward.

GET APPROVED    CALL: (905) 623-2366


Long Term Disability

Accidents come out of nowhere and after the dust settles, you’re strapped with doctors’ bills, lawyer fees and other frustrations that can add up and cause credit problems. Depending on the long-term effects of your accident, a reliable vehicle can make getting around a lot easier. Our team will work hard to secure you an auto loan so you can drive off in a quality pre-owned vehicle that suits your needs and budget. We are also able to source vehicles, if you have specific accessibility needs that make you vehicle search a little more complex, Tip Top Auto can help!

GET APPROVED    CALL: (905) 623-2366



Owning a business isn’t always me we know!  With an ever-changing economy and lots of competition in almost every sector, business owners often run into credit issues. We can help. If you have credit challenges or have gone bankrupt, there is still a good chance our team can secure you a loan. Contact us today for more info.

GET APPROVED    CALL: (905) 623-2366

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 high interest rate than someone with a perfect credit score. If you make you monthly payments and improve 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. You won’t be able to get financing for a new vehicle, but that’s not a bad thing. Tip Top Auto has a big selection of vehicles, 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.

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