For more than 35 years, we have been a reference when it comes to car financing and restoring auto credit. Our specialists are aware that more than a third of all Canadians will experience financial problems at some point. That is why we treat each case in a personalized, respectful and confidential way.
No matter what your credit situation is, we have the right answer for you!
Our finance managers are on site and always ready to recommend the financing options that will suit your needs in the spirit of confidentiality. Our credit officer will accompany you through the entire process and will propose solutions suited to your personal circumstances.
Our experience and reputation in the field of automobiles grant us a privileged relationship with important financial institutions; you will therefore benefit from preferential rates and quick answers. Our organisation has the widest network of specialized financial partners in first and second chance credit, which allows us to offer you very advantageous credit conditions even if you have no available cash funds or if you experienced auto-credit or car-financing problems in the past.
The goal of a secure online credit request is to grant you a specific amount of credit for the purchase or rental of a vehicle. There are no minimum deposits required and all your personal information will be protected by our privacy policy. You will not be dealing with a sales consultant or a sales manager, but rather with a specifically-trained finance manager who will answer all your credit questions. In order to maintain the highest standards of security, all information given will be destroyed afterwards.
Unconventional Financing - 2nd Chance Credit
We take restoring your credit seriously and treat all cases with respect and confidentiality. We know how important this specialized service is for you; our experienced finance managers, all of them credit specialists, will make sure to offer you the best rates possible.
We will efficiently and without judgment establish a monthly payment plan over a longer term to give you the flexibility of small, affordable monthly payments. After completing a short unconventional financing period, you will be able to refinance your loan at a regular interest rate. Then, if you prefer, you can also choose to purchase a new vehicle. Our goal: by helping you restore your credit, we want to be the last unconventional financing specialist you will ever need. Our finance managers will put their experience and know-how at your service to help you win back the confidence of financial institutions. By collaborating with partnered financial institutions, we will evaluate all possible solutions to help you reinstate your credit.
To be eligible for second chance credit, you must meet the following criteria :
- Be 21 years old or more
- Have an annual income of $21,000 or more
- Have been employed for more than six months
- Possess a valid driver's license
Unconventional Financing - 3rd Chance Credit
Pioneers of unconventional financing for more than 35 years, we collaborate with an unconventional financing institution that does not require credit investigation or job pre-requisites; only a small payment in kind is needed to help you restore your credit and drive off in a new car. You can qualify:
- Even if you just declared bankrupcy or have done so before
- Even if you do not have steady employment
- Even if your income is unverifiable
- Even if you are a self-employed worker
- Even if you are retired and have low income
- Even if you do not have any credit history
- Even if you have a very small income (no minimum income required)
For more information, do not hesitate to contact one of our unconventional credit specialists!
Procedure:
- Fill out the online credit application form or call us at 1 866 953-0754
- Our finance manager (credit specialist) will analyze your request, make sure that you respect the eligibility criteria and contact you, if needed, to get all the information necessary to ensure a fast and favourable answer.
- The information is submitted for approval to financial institutions specifically selected by our specialist to ensure that you receive the best credit terms available on the market.
- We will contact you to inform you of the results of your request, so that you can then choose the right vehicle for you.
- You can take possession of your vehicle at your home or at our dealer.
