Ontario Consumer Proposal Auto Financing
Car Loans During & After a Consumer Proposal in Ontario
A consumer proposal doesn't lock you out of car financing. It's one of the most common situations our lenders approve every week — often before your proposal is even paid off. ClearRoute Auto specializes in exactly that.
How Consumer Proposal Car Loans Work in Ontario
Apply Online
60-second form. We only do a soft credit inquiry — your score stays the same.
Get Matched
Our system matches you with subprime lenders who finance active and completed consumer proposals, bankruptcies, and credit rebuilding.
Pick Your Vehicle
Choose from our inventory, get your financing locked in, and drive away — often the same week.
We Work With All Credit Situations
Active consumer proposal
Completed consumer proposal
Bad credit (under 600)
Bankruptcy (discharged or active)
Past repossession
Collections & judgments
No credit history
Self-employed or cash income
Serving All of Ontario
From Northern Ontario to the Ottawa Valley — wherever you are, we can get you approved during or after your consumer proposal and deliver your vehicle.
Consumer Proposal Car Loans FAQ — Ontario
Can I get a car loan while in a consumer proposal in Ontario?
Yes. Many of our approvals are for people still making proposal payments. Lenders look at your income and stability, not just your credit file — being in a proposal doesn't disqualify you.
Do I need my trustee's permission to finance a car?
For most car loans it isn't required, but it's always smart to check with your Licensed Insolvency Trustee before taking on a new monthly payment so it fits your budget.
Will financing a car hurt my consumer proposal?
No. A reasonable, affordable car payment doesn't affect your proposal — and on-time payments actually help rebuild your credit while you're in it.
Can I get approved after my consumer proposal is completed?
Absolutely. Once your proposal is completed you're often in an even stronger position, and we can get you approved right away — no need to wait years.
How much down payment do I need during a proposal?
Often $0. A small down payment can strengthen your approval, but it isn't always required — it depends on your income and employment.
Ready to Get Approved?
Join thousands of Ontario drivers who got approved during a consumer proposal when everyone else said no. 60 seconds. No hard credit check.
Apply Now — It's Free