A practical, Ontario-first checklist to help you spot private used-car scams (VIN, liens, curbsiders, deposits) and buy with confidence across the GTHA and Niagara corridor. Buying a used vehicle privately can feel like a win—until the paperwork doesn’t match the car, the kilometres don’t add up, or a “simple deposit” turns into a disappearing act.

If you’ve been turned down for a car loan before, it can feel like you’re stuck—especially when you need a reliable vehicle to get to work, school, or appointments around Burlington , Hamilton, and the GTA West . The good news: a “bad credit” label doesn’t mean you’re out of options. Auto lenders often look at the full picture —income, stability, affordability, and vehicle choice—not just a single score. And with the right plan, an auto loan can be a stepping stone toward str