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We’ll guide you through the process of applying for a car loan and purchasing a used vehicle without ever worrying about approval. With us, it’s 100% guaranteed. Start by applying online or by phone, and we’ll walk you through the rest.
Whether you have never borrowed, whether you have gone bankrupt, whether you have an undischarged bankruptcy, whether you have made late payments, whether you have been refused by a financial institution, whether you have been subject to a voluntary forfeiture when purchasing your latest vehicle or you are in the middle of a dispute with a creditor, we can help.
All you need to do is fill out a short online application form. Our pre-approval process takes less than 20 minutes during business hours once your application is received. You can also call us for even faster service.
Personalized and tailored to your needs, we handle each request individually. In addition to our expertise in auto credit, we have in-depth knowledge of all makes and models of vehicles on the market.
GET APPROVED
Your request will be approved in 99% of cases, regardless of your financial situation.
In the vast majority of cases, you won’t need to make a down payment.
Our inventory includes over 200 used or very recent vehicles, all guaranteed for 3 years or more.
We work with the largest financial institutions.
We have been experts in credit recovery for 20 years.
Your application is processed with complete confidentiality.
Director | Specialized Credit
Director and leader of the Crédit en Direct team. She has built an exceptional team to support our clients 100% in their financing and credit recovery efforts.
Her natural gift for listening is a valuable asset in understanding the unique financial and personal issues of our clients. This allows her to develop well-suited recovery strategies for each individual. Chantal admits to feeling deeply touched by the appreciation of the many clients who have trusted us.
Specialized Credit Specialist
In our team for 3 years, she has significant experience in specialized credit.
Her advice: if you need an auto loan, consult a professional analyst. This will save you from multiple frustrating and damaging application rejections.
Stéphanie loves her job, undoubtedly because of the sense of accomplishment she feels when she sees her clients leave with an almost new, guaranteed vehicle and a customized plan to help them restore their credit and achieve their dreams.
Specialized Credit Specialist
With specific training in automotive financing, Eldonne stands out with her innovative financing strategies.
As she aptly puts it, an analyst is like a doctor for your finances. Her job is to heal your credit. After thoroughly examining it, trust her to provide effective solutions.
Eldonne recommends first securing good financing with an experienced credit analyst, and once that’s done, selecting a vehicle that fits your budget and needs. This will help you avoid a lot of stress and disappointment.
Online: Get your pre-approval before visiting our branch. Simply click on the form to fill out your application. A specialist will immediately review your application. You will then be able to explore the various financing options available to you.
By phone: If you’re not ready to apply for financing online, you can contact one of our specialists to get all the answers to your questions. You can also simply submit your application. Don’t hesitate to contact us; our specialists are here to help you.
Several factors can influence the interest rate: your financial situation, your credit score, the amount to be financed, and more. However, we work to secure a favorable credit decision and the lowest possible interest rate based on your profile.
If you complete your application immediately, you will receive a pre-approval in just 20 minutes (during business hours). Be sure to provide a phone number where we can reach you.
No. In most cases, it is possible to get credit approval without making a down payment.
We accept all vehicles for trade-in, regardless of their condition or age, and even if you still have an outstanding loan on it. We work to provide you with a fair offer based on its market value.
Yes. We can now secure a loan for you even if you are in bankruptcy and it is not yet resolved.
Yes. We work with an alternative credit institution where the only requirement is a minimal down payment.
This is one of the aspects that sets us apart from other companies. After a few months, we will follow up with you regarding your credit file. We stay with you to ensure that your financing program remains suitable for your situation. When we are able to improve your conditions, we act immediately, instead of letting you pay unnecessary interest.
Absolutely! We adhere to the highest security standards to protect your personal information. Additionally, our online credit application is fully secure.
In addition to having the opportunity to select your vehicle from multiple options, we will work with you to guide you towards the best vehicle to rebuild your credit profile. The bank and our specialists select these vehicles based on their good market value, low mileage, and model year.
We always have a solution! Technology allows us to operate virtually, and we offer home delivery if needed. We also provide free transportation to the dealership.
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