Your Fresh Start
Get Approved Today*

We work with lenders that say YES when others say no.
Get approved in minutes and drive away in your next vehicle.
All credit situations welcome in Under 15000 and across Ontario.

Fast & EasyQuick approval process
All Credit TypesGood, bad, or no credit
Drive TodayGet behind the wheel sooner
Get Approved In Minutes

No impact to your credit score to get started!

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35
Vehicles in stock
$6,995–$139,995
Price range
Local
Right here in Under 15000
Ford · Chevrolet · Nissan · Ram
Top makes in stock
★ 5.0
10 Google reviews

We Finance All Credit Types

Good Credit
700+
New to Credit
No History
Fair Credit
550 – 669
Bad Credit
Below 550
Bankruptcy
We Can Help
Consumer Proposal
We Can Help
Self-Employed
We Can Help

*In some cases, a down payment may be required. All applications begin with a zero-down scenario — our finance specialists work to get you approved with no money down whenever possible. Terms and rates vary based on credit approval.

How Our Financing Process Works

1
Apply Online
Fill out our secure online application in just a few minutes.
2
Get Approved
Our lenders review your application and get you pre-approved fast.
3
Choose Vehicle
Pick the perfect vehicle from our quality pre-owned selection.
4
Drive Away
Sign your documents and drive away with confidence!

We Work With Top Lenders To Get You The Best Rates

SCOTIABANK
TD
RRC
EASTERN FINANCIAL
iA FINANCIAL
AND MORE...

Real People. Real Results.

★★★★★

“They got me approved when everyone else said no. Amazing service and made the whole process stress-free!”

— Sarah M.
★★★★★

“Very professional and made the process so easy. I'm driving my dream truck now thanks to the team!”

— Jason T.
★★★★★

“They truly care about getting you into the right vehicle at the right price. Highly recommend to anyone!”

— Mike R.
★★★★★

“Fast approval, great rates, and absolutely no pressure. Best car buying experience I've ever had!”

— Lisa K.

Financing for Every Situation

Pick the path that fits. Every situation has lenders who say yes.

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Bad Credit
Low credit score? Lenders that say yes when others say no.
→
After Bankruptcy
Discharged bankruptcy is workable. Rebuild credit on a car loan.
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Consumer Proposal
Approved during or after your proposal. Responsible debt counts.
→
First-Time Buyer
Buying your first car? No credit history? We've got programs.
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New to Canada
Newcomer programs for permanent residents, work permits, study permits.
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Self-Employed
Bank statement programs for business owners and gig workers.
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Lease Return
Lease ending soon? Know your real options before signing anything.
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Trade-In Value
Honest market-based trade-in values. Even with a loan owing.

Financing Questions Answered

How much do your used vehicles cost near Under 15000?+
Current stock runs from $6,995 to $139,995, depending on year, make, model and kilometres. Every price is set from real-time market data — no games. There are 12 vehicles under $20,000 right now. Financing is available for all credit situations.
What bi-weekly payments should I expect?+
Bi-weekly payments on current stock run roughly $57 to $1,131, depending on the vehicle and your credit — calculated at 7.99% over 72 months, $0 down as a representative example. Get your exact number with a quick pre-approval at www.southwestautogroup.ca. try the car loan calculator →
How does the trade-in tax saving work in Ontario?+
In Ontario, when you trade in, you only pay HST (13%) on the difference between the new vehicle's price and your trade-in value — a real saving versus selling privately. South West Auto Group accepts all trade-ins with market-based appraisals. get a trade-in appraisal →
What documents do I need to buy a used car in Ontario?+
You'll need a valid Ontario driver's licence, proof of insurance, and banking information for financing. If you're trading in, bring the ownership. For a financing application, recent proof of income speeds things up. Bring those to South West Auto Group at 55 Southdale Rd E, London, ON N6C 4X5 in London, or call 519-668-7111 and we'll confirm exactly what applies to your situation before you come in. contact us →
Is it better to buy from a dealer or a private seller?+
A registered dealer like South West Auto Group gives you protections a private sale can't: disclosed vehicle history, safety certification, financing, trade-in, and recourse if something goes wrong. Private sales can be cheaper up front but carry the risk. With 35 vehicles in stock, South West Auto Group offers the selection and track record a private seller can't match.

Ready To Get Approved?

Take the first step today. It only takes minutes!

Fast approvals•Low rates•All credit types