If you're in one of the following situations, we're probably going to be able to help you get financed.

Bankruptcy (discharged or not)

Going through bankruptcy is never easy, but rest assured that our experts are here to help you get back on your feet.

Consumer proposal (with or without release)

It's still possible to apply for a car loan if you've reached an agreement with your creditors and meet certain criteria.

Late payments

If you've experienced unforeseen circumstances or bad luck that led to late payments that damaged your credit record, it's still possible to get a car loan with favorable terms.

Voluntary repossession

You may have had to walk away from a purchased or leased vehicle in the past, and that decision may have had a negative impact on your credit rating. It is still possible to finance a used car!

No credit history (first loan or newcomer)

Getting started with credit? Just arrived in Canada and need a car loan? Talk to one of our specialists and you'll be on your way before you know it.

Family allowance or social welfare

It's possible to get a car loan if your income comes from government benefits or other sources. Our experts will guide you to the right programs to help you buy your next vehicle.

Retired and pension

You may qualify for auto financing even if your only source of income is a government pension or retirement plan. Our team understands your reality and will take the time to analyze your unique situation to provide appropriate and beneficial options.

High debt ratio

Life's ups and downs sometimes cause us to accumulate debt. Don't worry if that's the case. We understand that having access to a new, reliable vehicle is still a priority for most people. Chances are, we can still find you a loan. In fact, it's a great way to improve your credit score!

Irregular income

Whether you're a tipped, seasonal or commissioned employee, there are auto financing programs for you. Just because your income is irregular or structured differently doesn't mean you can't get pre-approved for a new used vehicle!