$0 Down Payment with Low Monthly Payment Plans

Bad Credit Score, No Problem. Guaranteed Car Loan Approval.

Don’t let past credit issues hold you back from owning a car. We specialize in helping customers with all types of credit situations—including bad credit, no credit, or rebuilding credit. Our easy application process, flexible financing options, and fast approvals make it simple to get behind the wheel with confidence.

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About Total Auto Sales

At Total Auto Sales, we understand that buying a car is a major decision — and we’re here to make the journey easy and stress-free. Backed by years of experience in the automotive industry, we take pride in delivering high-quality pre-owned vehicles at competitive prices, always aiming to exceed your expectations.

Application & Approval

Find the car you love and apply in minutes. Our quick and simple process ensures fast approvals with flexible options tailored to you.

You Want It, We Have It!

Explore a wide selection of quality vehicles to match your style, needs, and budget—all in one place.

Car Delivery

Sit back and relax while we deliver your car to your doorstep, fully inspected and ready to drive.

Client Testimonials

Why Choose Us

We make car buying simple, fast, and stress-free. With flexible financing options for all credit types, competitive interest rates, and quick approvals, we ensure you get the best deal without the hassle. Whether you’re a first-time buyer, self-employed, or new to the country, our team is here to guide you every step of the way.

Bad Credits

Whether you have bad credit, no credit, or are just starting out, we make car ownership possible with solutions tailored to you.

Low Interest Rates

Enjoy competitive financing options designed to keep your payments affordable and stress-free.

24/7 Instant Approvals

Apply anytime, anywhere and get quick decisions—no long waits, no complicated process.

First Time Buyers

New to car financing? We guide you every step of the way to make your first purchase simple and confident.

$0 Down Payments

Drive away without the burden of a large upfront cost with our zero down payment plans.

Newcomers or Self Employed

Recently moved? We help newcomers get approved and on the road without hassle.

Loan Payment Calculator

Take the guesswork out of financing your next car. Our Loan Payment Calculator helps you estimate your monthly payments based on the price of the vehicle, down payment, interest rate, and loan term. Use it to plan your budget, compare options, and find the payment plan that works best for you—so you can drive away with confidence and no surprises.
Include Trade-In
$0 at 0% APR
Not ready to pre-qualify? Shop by estimated budget

Top Car Brands You Can Trust

Explore a wide selection of vehicles from the world’s most trusted and popular car brands. Whether you’re looking for luxury, performance, reliability, or affordability, we offer options to match every lifestyle and budget. From sleek sedans to powerful SUVs, find the perfect car from brands known for quality, innovation, and long-lasting value.

Why Customers Love Our Services

Our customers choose us because we make car buying simple, transparent, and stress-free. From flexible financing options and fast approvals to a wide selection of quality vehicles, we go above and beyond to meet every need. Whether it’s first-time buyers, self-employed individuals, or those rebuilding credit, our dedicated team provides personalized support every step of the way.

24/7 Instant Application Approval

Low Interest Rate Auto Financing

Highest Customer Satisfaction Rating

Over 5,000 New & Used Vehicles

30 Day Vehicle Exchange

Credit Rebuild Program

Vehicle Delivery Anywhere in Ontario

Mobile App for Secure Fast Approvals

Prime & Subprime Auto Financing

Got Questions? We’ve Got Answers

Buying a car should be simple and stress-free. That’s why we’ve answered some of the most common questions to help you understand our process, financing options, and what to expect. Whether you’re concerned about credit, approvals, or delivery—we’re here to make everything clear and easy for you.
Can I get approved with bad or no credit?
Yes! We specialize in helping customers with all types of credit situations, including bad credit, no credit, or rebuilding credit.
How long does the approval process take?
Our approval process is fast and simple. In many cases, you can get approved within minutes.
Do I need a down payment?
Not always. We offer $0 down payment options for qualified buyers, making it easier to get started.
What documents are required to apply?
Typically, you’ll need a valid ID, proof of income, and address details. Our team will guide you through the exact requirements.
Can self-employed individuals apply?
Absolutely! We provide flexible financing solutions designed for self-employed customers as well.
Do you offer home delivery?
Yes, we offer convenient doorstep delivery so you can receive your car without any hassle.

Credit Challenges? or Looking for a Fair Trade-In Appraisal