Bad Credit Loans

Bad Credit Loans

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Life happens, at XS Credit we understand. With recent economic problems many of us have been hit hard and just need a second chance to get us back on our feet. That's what we offer, a chance to rebuild your credit while at the same time listening to your concerns to provide you with a vehicle that suits your lifestyle. We understand the struggles many people have gone through because we have been there ourselves. At XS Credit we are dedicated to customer service, and we believe the option to choose your vehicle and payment shouldn't be reserved for only the fortunate. If your credit has suffered and the bank's won't help, we will. We will not refuse anyone regardless of their credit situation.

We will help with the following:

  • BANKRUPTCY - A failure to pay your bills where you then must go to a court of law and the courts divide all your assets among your creditors. 
  • DIVORCE - You and your spouse no longer want to be together where generally joint bills stop being paid.
  • BAD CREDIT CASH BACK TO HELP PAY OFF HIGH INTEREST LOANS - We will cut a cheque back to you on your vehicle loan that has a lower interest rate then your high interest rate debt. 
  • CREDIT REBUILDING - After you have had problems with your credit we will help build your credit back up to where it should be.
  • LOWERING MONTHLY PAYMENTS - If you currently have a high payment auto loan we can lower it. 
  • COLLECTIONS - You did not pay one of your creditors and they sent it to an agency to collect there money back 
  • WRITTEN OFF CREDIT - You stopped paying for a piece of credit and the bank does not believe they will get there money back
  • LOW BEACON SCORE - Your credit score is below average
  • REPOSSESSIONS - You stopped paying for something you purchased and the back took the property back
  • JUDGEMENTS - You were sued in a court of law and lost your case and need to pay the person/company back that sued you
  • FAMILY MAINTENANCE - Money that you owe for a child and/or spouse
  • INSURANCE PAYMENTS - Cut you a check to pay for your vehicle insurance
  • LEASE SELLOFFS - Refinancing your current lease into a purchase loan
  • TITLE LOANS/PAYDAY LOANS - Money that you borrowed that you did not pay back that went into collections
  • HIGH DEBT SERVICE RATIO- You currently owe more to payments then you currently make
    TOO MUCH OWING ON TRADE - You owe more then what your current vehicle is worth 
  • FRAUD - Someone who has acted in a false or decitful way
  • IDENTITY THEFT - Someone who has had there identification compromised
  • EMPLOYMENT STABILITY - An established length of time on your job
  • YOUNG BUYERS - Someone under the age of twenty five with minimum credit experience 
  • DISABILITY AND LOW INCOMES - Someone who is currently getting paid because of a disability or who has a below average income source 
  • 9 SIN NUMBERS - A currently non landed imigrant who is currently working in Canada with a work visa 
  • PREVIOUS DECLINES - Someone who has previously been declined for credit
    OVER BALANCES - You owe more money to your creditor then your available balance
    FORECLOSURE - You have stopped paying your mortgage and the bank takes your house back   


Serving the EDMONTON area, XS Credit, located at 13333 Fort Rd in EDMONTON, AB, is your premier retailer of Preowned vehicles. Our dedicated sales staff and top-trained technicians are here to make your auto shopping experience fun, easy and financially advantageous. Please utilize our various online resources and allow our excellent network of people to put you in your ideal car, truck or SUV today!