No Credit? Bad Credit?

Bankruptcy? NO PROBLEM !

Getting a Car Loan When You Have Bad Credit

"GUARANTEED APPROVAL! We will help to get financing for you regardless of past credit issues."

About Us

On The Spot Financial was established to meet the needs of people who have had or currently having challenges in obtaining an automobile due to fixed income or only receiving other types of income such as Social Assistance Benefits, Disability income, Child Tax Benefits, Maternity Leave, and other. We are a customer-focused organization, here to help you get financing or leasing for a vehicle.

How It Works

Step #1


Application Form

Step #2

Matching You

with a Dealership

When you are ready to complete your car loan application, we are here to help you. Filling out the loan application does not have to be a difficult or intimidating process, even for drivers with bad credit.


We make it easy to complete this application form online – providing basic information on your income, your employment status, your address and so on.


This information will help us ensure the vehicle you chose with the dealership will be affordable for you and your family.

We may need to contact you for additional information as the loan application process moves forward. We will always identify ourselves and provide specific details on what we need to complete your application. Once we have everything we need to move forward, we will be better able to match you with the dealership closest to you so you can select the vehicle of your choice. Some condition may apply.

Apply For a Vehicle Today

We understand the needs of drivers with bad credit. Start the process today!

Online Application

Approved  Today!

Drive away Tomorrow in your own vechicle


Customer Satisfaction

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Apply For a Vehicle Today

Online Application


Toronto, Ontario




Copyright  ON THE SPOT FINANCIAL  2017

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