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Specialized credit, it’s our specialty!

Often, we hear about 2nd and 3rd chance credit. Just what is it exactly, and who is this type of financing for? Several reasons may cause you to find yourself in a situation where you may be denied what is called 1st chance credit for a vehicle loan. These reasons may include a past bankruptcy or consumer proposal. However, as many people are surprised to learn, simply making your monthly payments late can affect your credit history. Additionally, a lack of credit history can also put you on the path to 2nd or 3rd chance credit car financing.

Requiring 2nd or 3rd chance credit is not necessarily a bad thing. In fact, we work with people in this situation quite frequently. Instead, you should know that this type of specialized financing is specifically available to help those who could not gain access to vehicle financing without it. Sometimes, the use of a vehicle is necessary to travel to work or school. By utilizing 2nd or 3rd chance credit, you have the opportunity to acquire a vehicle while helping you to build your credit at the same time. With good advice and the best possible terms, the impact on your finances will be one that benefits you. Often, unstable or precarious financial situations are what lead to the need for 2nd or 3rd chance credit. By utilizing the services of 2nd and 3rd chance specialists like, you can put your car loan to work for you climbing up out of this situation and not the opposite.

Understand the rules of Automotive Credit

The automotive industry, not to mention financing, is very complex. Vehicle pricing, discounts, assorted fees, obligations, standards, and laws are all governed in a certain way; however, the limits are not always transparent, and sometimes excessive. Just imagine how complicated things get when you add specialized financing to the mix. Banking institutions make their own rules, and if you find yourself dealing with a dealer who does not have much experience with 2nd and 3rd chance credit, you may find yourself in an even worse situation than you started with. This is why we focus on specialized credit here at Our experienced staff have been trained to thoroughly understand the specialized credit industry to offer you the best possible solution for your vehicle financing needs, according to your personal financial situation. 

A long-term Credit Goal

Building your credit is a bit like creating a garden. It takes time, water, care and attention to grow each type of plant. If there is a shortage of sunshine, heat or water, or if you do not leave the ideal amount of space between them, you may cause them to wilt. The great thing about gardening is that you can always make it work, even if it takes longer than you might like. Your financial situation is exactly the same. The need for 2nd or 3rd chance credit is merely a temporary situation, and is on your side. We don’t just help you to get a car loan. We also work with you to help you to obtain the best car loan to help you rebuild your credit over the long term. Sure, it may take longer than you’d like, but with the right tools and advice from 2nd and 3rd chance credit specialists, you will find yourself getting out of an unfavourable financial situation much sooner. 

Our pre-approved vehicles! Best Specialized Automobile Financing

Used auto financing and auto credit: auto credit solutions are offered to any buyer residing in Quebec and needing a 2nd or 3rd chance credit. We make it easy for you to locate and choose a vehicle that's right for you in just a few moments, and we can pre-approve you in less than 20 minutes. You will drive the vehicle of your choice faster than you think!

No matter your current credit situation, at our goal is to find you a credit solution. We can also help you rebuild your credit history. We're here for the long haul with you. We understand that everyone has a different background and therefore different needs. Do not hesitate to tell us about your financial situation, which is often temporary.

You can start your secure online credit application or contact us at 1 844 319-5034

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