Introduction
Buying a used car in Ontario can be a smart financial choice — you get a reliable vehicle at a lower cost compared to new models, and it often means lower insurance premiums too. But without proper research and inspection, you could end up with a car that’s more trouble than it’s worth.
At Approved Auto Finance, we know many of our customers choose used cars, especially when working with bad credit car loans. That’s why it’s so important to know what to look for before signing the papers.
In this guide, we’ll walk you through the must-check items before buying a used car in Ontario — from vehicle history to test drives, financing, and final paperwork. We’ll also show you how we make financing a used car simple, even if your credit isn’t perfect.
👉 Already found a car? Apply now with Approved Auto Finance and drive away with confidence.
Why Buying a Used Car Can Be a Smart Choice
- Lower price: Used cars often cost 30–40% less than new ones.
- Slower depreciation: A new car loses value quickly, while a used car holds its worth longer.
- Wider selection: From compact cars to SUVs, you’ll find models to fit your lifestyle and budget.
- Accessible financing: Even if you have bad credit, Approved Auto Finance can connect you with lenders who understand your situation.
For more insights, check out our guide: The Benefits of Car Financing in Ontario: Why It’s the Smart Choice.
Key Things to Check Before Buying a Used Car
1. Vehicle History Report
Always ask for a Carfax or vehicle history report. This shows past ownership, accident history, liens, and whether the car was ever written off.
👉 Pro tip: Avoid cars with a salvage title or repeated accident history.
2. Odometer Reading
- Lower mileage = less wear.
- Average Canadian drivers log about 20,000 km per year.
- If mileage seems unusually low or high, ask questions.
3. Exterior & Body Condition
Check for:
- Rust spots, dents, or mismatched paint (signs of past accidents).
- Uneven gaps between panels.
- Condition of tires — uneven wear could indicate alignment or suspension issues.
4. Under the Hood
Look for:
- Fluid leaks (oil, coolant, transmission).
- Corrosion on battery terminals.
- Belts and hoses in good condition.
If possible, have a mechanic perform a pre-purchase inspection.
5. Interior & Comfort Features
- Test all electronics (AC, heater, power windows, infotainment).
- Check seat wear — heavy wear may signal high use.
- Look for water damage or mold smells (possible flood damage).
6. Test Drive Experience
During the test drive, pay attention to:
- Smooth acceleration and braking.
- No unusual noises (knocking, squealing, grinding).
- Steering feels responsive.
- Transmission shifts smoothly.
Paperwork You Should Never Skip
- Used Vehicle Information Package (UVIP) – Required by Ontario law, includes ownership history and lien status.
- Bill of Sale – Proof of transaction.
- Safety Standards Certificate (SSC) – Required for registration of most used cars.
- Vehicle Permit & Registration Transfer – Needed to transfer ownership.
👉 At Approved Auto Finance, we help guide you through the financing paperwork so you can focus on choosing the right car.
Financing Your Used Car With Approved Auto Finance
Many Ontario drivers worry about financing — especially with bad credit. But here’s the good news:
- We approve all credit types — good, bad, or no credit history.
- Ontario-wide network — Brampton, Toronto, Mississauga, Ottawa, Hamilton, London, and beyond.
- Flexible terms — tailored to your budget.
- Credit rebuilding — on-time payments help improve your score.
Learn more in our detailed guide: How Car Financing Helps You Build Credit in Ontario.
Quick Takeaways
- Always check a vehicle history report, mileage, and accident history.
- Inspect exterior, interior, and under the hood before purchase.
- Take a test drive to uncover hidden issues.
- Verify all paperwork, including UVIP and Safety Standards Certificate.
- Financing a used car in Ontario is simple with Approved Auto Finance, even if you have bad credit.
👉 Ready to buy? Apply now and get approved today.
FAQs
1. Should I buy a used car privately or from a dealer?
Dealers often provide safety certificates and warranties. Private sales may be cheaper but come with more risk.
2. Do I need a down payment for a used car loan?
Not always. Approved Auto Finance works with lenders who offer zero down options, depending on your situation.
3. Can I finance a used car with bad credit in Ontario?
Yes. We specialize in approvals for people with bad or no credit.
4. What’s the safest mileage range for a used car?
Generally, under 100,000 km is ideal, but well-maintained higher mileage cars can also be good choices.
5. How can I lower my used car payments?
Improve your credit, increase your down payment, or choose a shorter loan term.
