Local financing · Laval

3rd Chance Auto Credit in Laval

99% Approved — 3rd Chance Credit — no matter your credit.

The 2nd chance wasn't enough? In Laval, our 3rd chance auto credit is for more complex files: undischarged bankruptcy, consumer proposal, insolvency. We work with specialized lenders who accept higher-risk profiles.

What is it?

3rd chance credit is financing for people who have exhausted standard options. Our specialized lenders assess your current repayment capacity rather than your credit past, and can accept files with undischarged bankruptcy or proposal.

Why choose us

Difficult files

Bankruptcy, proposal, insolvency accepted

Specialized lenders

Access to institutions others do not have

Credit rebuilt

Every on-time payment improves your score

Our process

1

Online application

Fill out the form in a few minutes

2

File review

We find the best lender for you

3

Approval

Response in 24-48h, 99% approved

4

Hit the road

Choose your vehicle and drive

Frequently asked questions

What is the difference between 2nd and 3rd chance in Laval?▼
The 3rd chance targets more complex files — undischarged bankruptcy, ongoing proposal — that the 2nd chance does not cover. Our specialized lenders in Laval accept these profiles.
Can I get a loan with an undischarged bankruptcy in Laval?▼
Yes, it is possible. The 3rd chance offers solutions for undischarged bankruptcies, with a co-signer and a down payment. A Laval advisor will assess your file.
What rate for a 3rd chance?▼
Rates are higher (12-20%) given the risk. But every on-time payment rebuilds your credit and lets you access better rates in 2-3 years.
What documents for a 3rd chance in Laval?▼
ID, proof of income, proof of residence in Laval, and ideally a co-signer. An advisor will guide you.

Ready to get your financing?

Submit your free online application. An advisor contacts you within 24h.

Other services in Laval

2nd Chance Credit

Bankruptcy

Consumer Proposal

No Down Payment

Other cities