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Secure Used Car Financing Approval in Minutes!

At Moto Auto, we are your trusted used car dealership serving Cambridge and the Kitchener-Waterloo area. With over two decades of experience, we specialize in providing used car financing solutions for every credit type, ensuring that everyone has the opportunity to drive a quality vehicle. Our extensive inventory features a diverse selection of second-hand cars from top brands, all meticulously inspected to meet our high standards.

We work with a network of over 10 lenders to offer competitive rates and flexible terms. Whether you have excellent credit, poor credit, or are a first-time buyer, our auto finance specialists are dedicated to making the financing process straightforward and stress-free. Discover your next vehicle with confidence at Lebada Motors—where we turn your automotive dreams into reality.

Why Finance with Lebada Motors?

  • Wide Selection of Vehicles: Choose from reliable sedans like the Toyota Camry, rugged SUVs, and powerful trucks by top brands such as Nissan, Dodge, Jeep, GMC, and Ford, all priced competitively.
  • Trusted Since 1999: With over 100 years of combined experience and a 4.6-star customer rating, we are committed to delivering high-quality vehicles and exceptional service.
  • Affordable Financing: Enjoy $0 down options with weekly payments starting at just $39, along with transparent pricing and no hidden fees.
  • Top Lenders & In-House Solutions: We partner with trusted lenders like TD Auto Finance and CIBC while offering in-house financing to meet your needs, no matter your credit history.

How It Works

  • Complete the Car Loan Application: Our quick, secure online application form takes less than 2 minutes to fill out. It’s the first step to getting approved for used car financing.
  • Connect with a Finance Specialist: One of our experienced finance specialists will contact you to discuss your budget and options. Whether you have good credit, bad credit, or no credit, we’ll work to find the right solution for you.
  • Select Your Vehicle: Choose from a wide range of quality used cars. Schedule a test drive and find the vehicle that fits your lifestyle and budget.
  • Drive Away Happy: Get behind the wheel of your new car and enjoy peace of mind. With regular, on-time payments, you’ll also start rebuilding your credit while enjoying your ride.

Start your journey to hassle-free used car financing today!

Pick A Vehicle And Get Approved

Sedan

SUV

Truck/Commercial

Minivan/Van

Why Thousands Trust Lebada Motors for Used Car Financing

At Lebada Motors, we’ve helped over 5,000 customers secure financing since 1999 – from first-time buyers to newcomers to Canada and those rebuilding credit. We understand that everyone’s situation is different, and that’s why we tailor our financing approach for real people with real challenges.

“When I moved to Ontario with no credit history, I was turned away elsewhere. Lebada got me approved and into a safe, reliable car within 24 hours. They made me feel like family.”
– Ravi S., Cambridge

“After my divorce, my credit took a serious hit. I was nervous about applying anywhere. But Lebada didn’t judge – they listened, explained everything, and had me driving a new SUV the same week.”
 – Tanya M., Kitchener

“I had just started a new job and didn’t think I’d qualify for financing. Lebada Motors walked me through my options and found a lender that worked with my budget. I was approved with $0 down.”
– Jordan P., Guelph

Our finance team includes OMVIC-certified professionals with over 50 years of combined experience. We work closely with trusted lenders like TD Auto Finance, Scotiabank, and National Bank to offer you competitive rates, even if your credit is less than perfect.

Meet Our Team:
Andy Lebada, Finance Director – 20+ years in auto finance, OMVIC Certified
 Ash Lebada, Credit Specialist – Expert in rebuilding credit solutions

We’re proud to be rated 4.6/5 stars on Google from over 1,000 verified reviews, and we’ve been BBB accredited for over a decade. Every financing offer comes with clear terms, zero surprises, and access to our 12-day money-back guarantee – because trust is earned, not just claimed.

Want proof of our community values? Explore our charity efforts and community outreach to see how we give back to Cambridge and beyond.

This page was reviewed by Hicham (Heesh) Lebada, Finance Manager at Lebada Motors (OMVIC Certified).  Updated 2025/06/23

Car Loan Approval with Bad Credit |  Auto Financing for Newcomers | Understanding How Car Loans Work

Our Reviews

Steve Oreilly

Steve Oreilly

The guys were great,easy to talk with very understanding and knowledgeable.I was dealing with Rick and Reda both had great personality as well.

Mike Larsen

Mike Larsen

I swear i have never in 25 years of buying cars had as good of a experience as i did with them. Billy worked endless to make things happen. He was absolutely amazing dealing with my wife and I. If you need a new ride and you want to have a fair honest person to handle your claim Billy is your man. Thank you Billy and Thank you Moto Auto.

Elwood Bitoon

Elwood Bitoon

Rida helped us a lot and the one and only person will not sugar coat and making fake promises. 100%! This guy and his auto shop is highly recommended!

Ireen Pamela Bitoon

Ireen Pamela Bitoon

Very nice customer service. Hassle free and they did a great job for getting us a new car for a family of 4. Thank you so much for the help!👍🏻

Vibhuti sheta

Vibhuti sheta

Amazing Experience!. Rick helped me a lot throughout the process. Staffs are wonderful. Highly recommended. Thank you so much for all help.

Amanda Kovacsics

Amanda Kovacsics

i had the pleasure of working with april and rida! they were great and super professional to work with!
– amanda clark

Helene

Helene

Slick, stress-free service. Great work. Thanks Billy 😊

LTay’s Lab

LTay’s Lab

We received spectacular service from Rick! I would recommend them 100%. We are very happy with our purchase!

Caleb Pearse

Caleb Pearse

What else can I say, but thank you to Billy for the outstanding work he put into getting my wife and I into a “new to us” SUV. Built was genuine about getting us the best deal, making sure to honour what we needed as customers in order for a deal to be made, and he went above and beyond, making sure we had an excellent and safe vehicle for our family. Would definitely recommend 10/10

Trevor Munro

Trevor Munro

Excellent place to buy a car! Great experience from start to finish. No pressure sales and very friendly and supportive. Would recommend to anyone.

Melinda Chalifoux

Melinda Chalifoux

I really appreciate we received from Billy. We love our new ride

David Lai

David Lai

Really good experience! Def worth checking them out. Nothing but good things to say about all there reps!

Peggy Nepoose

Peggy Nepoose

Dealt with Rick Bourque here, was amazing and helpful service. Greatly appreciate their help with a vehicle and all their help after.

Ashley Dayl

Ashley Dayl

Billy was super helpful. Thank you.

Crystal Littlejohn

Crystal Littlejohn

Highly recommend this dealership! Go see Rick he will go above and beyond for you!

Taleb mokhtar Med

Taleb mokhtar Med

Go see Billy he was great

arnel brian

arnel brian

i have been looking to get approved for finance, i tries most of Calagary and Edmonton dealeships but no one was able to approve me without a cosigner, but Gus was able to get me a 2017 ford Escape with no co singer and a low payement, staff was amaizng ans i highly recommend MotoAuto

Tricia Karpiuk

Tricia Karpiuk

Great staff with great selection. I’m very satisfied.

Dereck Lane

Dereck Lane

Great service Rick went above and beyond to get me into the SUV I wanted highly recommend

Krisk K

Krisk K

Wow!!!!Krystal from Moto Auto was so absolutely AMAZING Fabulous in Getting me back on the road with a low monthly payment in a stunning newer used vehicle. And thanks to Reda for finding me my new ride! It Has been an awesome experience. Thank you.♡♡♡

Apply for Used Car Financing at Lebada Motors Today!

If you’re searching for a new vehicle and want to secure the best financing rates, let Lebada Motors simplify the process for you. Choose your desired vehicle and complete our quick credit application form—our team will get back to you promptly to discuss your financing options and ensure you get approved for the car you’re interested in.

Prefer a more hands-on experience? Visit Lebada Motors to explore our wide selection of quality vehicles. Our dedicated team is here to help you find the perfect vehicle that suits your lifestyle and budget!

FAQ

What credit score do I need to finance a used car?
For the best possible interest rates, 650+ is ideal, but financing options are available for scores as low as 500 with higher interest rates.
Can I finance a used car with bad credit or no credit?
Yes, many lenders offer options for bad or no credit. You can improve your approval chances by providing proof of income, a co-signer, or a larger down payment.
What are the interest rates for used car loans?
Currently interest rates range from 7% to 25%, depending on your credit score, loan term, and vehicle age. Excellent credit can secure rates as low as 6.5%. If you’re looking for the best used car loans, we can help you get the best deals!
How much should I put down for a used car loan?
Downpayment is not required to get approved, but can help your chances by showing you are invested in the purchase. A down payment of 10-20% of the car’s price is considered a good investment. A larger down payment can reduce your monthly payments and total interest.
What loan terms are available for used car financing?
Loan terms usually range from 36 to 72 months, with some lenders offering terms up to 84 months.
How can I get pre-approved for a used car loan?
Pre-approval can be done online or in person with banks, credit unions, or dealerships. You’ll need personal information, proof of income, and employment details.
Can I use my current car as a trade-in?
Yes! Trade-ins can be applied as a down payment, and the value will reduce the amount you need to finance.
Are there any hidden fees in used car financing?
At Lebada Motors, we pride ourselves on being completely transparent. There are no hidden fees when you finance with us. Any applicable charges, such as loan origination or optional warranties, will be clearly explained upfront so you can make an informed decision.
Can I refinance my used car loan later?
Yes, refinancing is possible if your credit improves or interest rates drop, potentially lowering your monthly payment or interest costs.
How do I know how much I can afford?
Your car payment should generally not exceed 25% of your monthly income. Use our online loan calculator to estimate payments. Financing a second-hand car has never been easier with flexible terms and transparent processes!