Local financing · Quebec City

In-House Auto Financing in Quebec City

99% Approved — In-House Financing — no matter your credit.

Refused by banks in Quebec City? In-house auto financing bypasses traditional institutions: the dealer finances your vehicle directly. Prêt Auto Québec offers this solution in Quebec City.

What is it?

In-house financing is a loan where the dealer lends directly, without going through a bank. No bank credit check — approval is based on your income and repayment capacity. Ideal for files refused everywhere.

Why choose us

No bank refusal

The dealer finances directly

All credit accepted

2nd, 3rd, 4th chance

Fast approval

Often same day

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 in-house and bank financing in Quebec City?▼
In-house financing is granted directly by the dealer, with no bank credit check. Approval is based on your income. Ideal for files refused in Quebec City.
Is the rate higher with in-house financing?▼
Yes, generally (12-22%) given the risk. But it is often the only option after several refusals, and every payment rebuilds your credit in Quebec City.
Can I switch to bank financing later in Quebec City?▼
Yes. After 12-18 months of on-time payments, your credit improves and you can refinance with a bank at a lower rate in Quebec City.
What documents for in-house financing in Quebec City?▼
ID, proof of income and proof of residence in Quebec City. No bank credit check required.

Ready to get your financing?

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

Other services in Quebec City

2nd Chance Credit

3rd Chance Credit

Consumer Proposal

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