Right Turn Auto Credit Review
If you’re searching for a Right Turn Auto Credit review in Ontario, you’re likely trying to figure out:
✅ Is it legit?
✅ Who do they approve?
✅ What are the interest rates like?
✅ Are there better alternatives?
Here’s a clear, unbiased breakdown to help you decide.
About Right Turn Auto Credit
Right Turn Auto Credit is a Canadian dealership and auto finance company that focuses on:
Credit rebuilding car loans
Subprime auto financing
In-house or arranged financing options
Helping customers with bad credit, no credit, bankruptcy, or consumer proposals
They operate physical dealership locations in Ontario and market heavily toward buyers who have struggled to get approved elsewhere.
Who They Typically Approve
Right Turn Auto Credit generally works with:
Low credit scores
Past bankruptcies or proposals
Missed payments / collections
Limited credit history
New Canadians
They focus more on income and stability than just your credit score.
Typical requirements:
Steady employment (often 3+ months)
Minimum income threshold
Valid Ontario driver’s license
Down payment (in some cases)
Interest Rates: What to Expect
Like most subprime auto lenders in Ontario:
Rates are typically higher than bank financing
Interest can range anywhere from mid-teens to high 20% APR depending on credit profile
Vehicles are often priced with financing built in
⚠️ Important: The monthly payment might look affordable, but always calculate the total cost of borrowing.
Pros of Right Turn Auto Credit
✔️ Easier approvals for challenged credit
✔️ Physical dealership locations (face-to-face support)
✔️ Can help rebuild credit if payments are reported
✔️ Structured payment plans
Cons to Consider
❌ Higher interest rates
❌ Limited vehicle inventory (compared to open-market shopping)
❌ You’re often tied to their in-house inventory
❌ Total loan cost can be significantly higher over time
Reviews & Reputation in Ontario
Online reviews are mixed (as with most subprime auto dealers):
Many positive reviews from customers who were approved after being declined elsewhere
Some negative reviews related to:
Vehicle issues after purchase
Interest rates
Payment pressure
This is common in the credit-repair auto financing space — expectations and contract understanding are extremely important.
Is Right Turn Auto Credit Legit?
Yes — they are a real, operating dealership and finance provider in Ontario.
However, whether it’s the best option for you depends on:
Your credit score
Your income stability
Whether you can qualify through a marketplace with multiple lenders
Whether you’re trying to refinance instead of buying
Alternative: Compare Multiple Lenders First
Before committing to a single dealership’s financing program, it can help to:
Compare multiple lenders
See if you qualify for a lower rate
Explore refinancing your current loan instead
Get matched with different dealerships bidding for your approval
OntarioAutoLoans.ca connects you with lenders and dealers across Ontario so you can compare options instead of being locked into one store’s inventory.
Who Should Consider Right Turn Auto Credit?
It may be a fit if:
You’ve been declined everywhere else
You need a vehicle immediately
You have stable income but poor credit
You’re focused on rebuilding your credit
Who Should Compare First?
You may want alternatives if:
Your credit score is above 620
You’ve been employed 6+ months
You have a co-signer option
You want access to multiple vehicle sources
You’re looking to refinance to lower your rate
Final Thoughts
Right Turn Auto Credit serves an important niche in Ontario — helping people get back on the road when traditional lenders say no.
But higher-risk financing always comes at a cost.
Before signing:
✔️ Review the full contract
✔️ Calculate total interest paid
✔️ Confirm warranty details
✔️ Understand prepayment terms
✔️ Compare at least one alternative approval
