Affordable Car Loans and Financing


Bayview Auto Sales realizes that auto financing is an important part of the car buying experience. We understand that it can cause many customers stress. With that in mind, we set out to create an approach to financing with zero stress, just like our sales approach. Our resources and long-standing relationships with automotive lenders allow us to get the car loan that's right for you, at the best possible rates and terms.  

When you buy from Bayview Auto Sales, you can be sure that you will have all your financing options put on the table in a clear and easy way to understand. That's Our promise to you!

Our in house finance specialists can tailor a car loan that fits your needs.  You can apply for a car loan online today and then come visit us in Belleville for a a detailed credit consultation that can rebuild your credit. We have a variety of options that will fit your needs and allow you to secure car financing with bad credit or no credit. 

Bad Credit Financing Options

If you go to many banks or dealerships, then you know that car financing can be very difficult. Our answer to your credit challenges is in-house auto-financing specialists that are dedicated to getting you the best possible rates and terms in Ontario. 

With over 20 years of automotive experience, Bayview Auto has developed relationships with some of the most well recognized financial institutions in the country. Our finance team is very knowledgeable and will work closely with these companies to secure you the best rate that we can. 

Car Financing FAQ

Who are Bayview Auto's financing companies? 

Bayview Auto offers financing through many reputable organizations that allow us to customized offers to suit our customers needs. 

  • Royal Bank of Canada 
  • Bank of Montreal 
  • TD Auto Finance 
  • Scotiabank 
  • CIBC 
  • Desjardins 
  • Scotia Dealer Advantage 
  • National Bank of Canada 
  • Car Finco 

How does financing with Bayview Auto work? 

Financing with us is very simple!

  • First select a vehicle that meets your needs,
  • Submit a credit application with the help of our sales representatives
  • If approved, decide which finance offer suits you best! 

How are finance decisions made? 

  • Down Payment 
  • Vehicle specifics (model, style, age, milage, and cost) 
  • Appliction information such as income, time at current job, and time at residence 
  • Credit History 

What does a credit score mean? 

A credit score is designed to assist financial institutions predict the amount of risk associated with a major purchase (car, house credit card, etc.). I other words,  it is a way to notify the lender how (and if) you will pay you bills.  

Will my credit score drop every time I check it?

Checking your own credit report is what's known as a "soft inquiry," which does not affect your personal credit score. Only "hard inquiries" made by a creditor or a lender when you apply for a car loan can drop your credit score. These "hard inquiries" can typically bring your score down by 3-5 points. 

How long will poor credit history affect my life? 

With enough time and patience, all poor-credit situations can be rectified. A credit score is only a minimal part of the credit approval and car loan process. All situations can be turned, with the appropriate vehicle selection Bayview Auto can assist you to always improve your credit score for the future. 

Can I get a car loan with poor credit history?

Bayview Auto wants to assist you in reconstructing your credit rating and provide you with a stable foundation for future financial success. Our knowledgeable staff can provide you with the best plan to fix financial misfortune. We specialize in actually acquiring the perfect car loan for you, even if you have a poor credit history. We have helped hundreds of individuals in Southeastern Ontario find the perfect car loan. 

Call (866) 594-2262 (toll free) for the lowest car loan rates in Kingston, Napanee, Picton, Belleville, Trenton, Peterborough, Cobourg, Port Hope, Barrie, Collingwood, Orillia, and the surrounding areas in Ontario from Bayview Auto!