Mac James Motors
Get the car you want and the credit you deserve

Bad Credit Car Loans

Mac James Motors is the bad credit car loan leader for people with credit problems. We've been in business helping consumers with bad credit car loans since 1994. We specialize in providing dependable used cars and affordable payments. We match the consumer to the car, minivan or truck that meets their needs and fits within their budget.

Many of our customers with bad credit, poor credit or slow credit have rebuilt their credit and are now driving new cars with a low interest rate loan. You can view all our used cars, minivans and trucks on our online used car inventory

No credit, bad credit, poor credit... no problem at Mac James Motors. Having bad credit shouldn't stop you or your family from owning a quality used car. Mac James Motors is able to approve you for used car financing regardless of your past credit history. All our cars, trucks and minivans are fully inspected and completely reconditioned by a quality independent shop before they're made available for auto financing.

Bad credit car loan financing is easy at Mac James Motors.
Complete our secure online credit application and we can have you approved for an auto loan within two hours.

Bankruptcy Car Loans

Mac James Motors provides bankruptcy car loans. We can approve you for a used car loan if you've declared bankruptcy, and we can even approve you for a car loan if you're currently in bankruptcy. We've helped thousands of customers with a bankruptcy obtain a dependable use car or truck and rebuild bad credit.

Shopping for a loan for a car or truck can be frustrating even if you have good credit and more so if you've had to declare bankruptcy. Mac James Motors will look at your current situation when approving your loan rather than your past credit history. We believe that bankruptcy car financing can give you a fresh start and allow you the opportunity to rebuild bad credit.

No Credit Car Financing

Sometimes having no credit can be more frustrating than having bad credit. You've not made any mistakes yet no one will give you chance with an auto loan. Mac James Motors has a program for customers with no credit history. We're able to approve 1st time buyers, customers recently divorced who’s credit was all in the spouses name, or somebody who's never had credit with no credit car financing. If you're in one of these situations we can help you get approved for a used car loan.

We'll report your payment history on a monthly basis to the credit bureau and this will help you establish a good credit rating. We have a great selection of used cars, minivans and trucks that you can view at our online inventory page. To qualify for our used car loan financing we will use your job as your credit.

Rebuild Credit Car Loan

Mac James Motors has helped thousands of customers to rebuild their bad credit to good credit by providing approvals to customers regardless of their credit score. We report their good credit history on a monthly basis to the credit bureaus in Canada. All our auto loans are open ended, so once you've rebuilt your credit score you can pay out our loans early with no penalty or fees.

All our used car loans are short with a maximum term of 36 months. This allows customers with bad credit to rebuild their credit history quickly while saving thousands in interest charges. To start rebuilding your bad credit, apply today and Mac James Motors can have you driving a car tomorrow, and on your way to good credit.

Our Used Car Warranty

It's one thing to get approved for a used car loan when you have bad credit, it's another thing entirely to find an auto dealer that will provide you with a quality used car. Mac James Motor' used cars, trucks and minivans are fully inspected, reconditioned and backed with a warranty. Our customers have peace of mind knowing that Mac James Motors will stand behind their vehicles with a written warranty. Should unexpected repairs happen after the warranty is expired Mac James Motors will even provide financing for repairs. All our customers enjoy the fact that they only have to deal with one person for sales, financing and service. We have a very strong commitment to after sales service. One call to your original consultant and they will look after all your needs. See our reviews page.

Click on the link to read about our excellent used car warranty program.