In-house financing

In-House Auto Financing

In-house auto financing means the dealership itself becomes your lender, with no bank in between. A fast, flexible solution for people whose credit application has been turned down elsewhere.

What is in-house auto financing?

Direct financing from the dealership

Unlike traditional bank financing, the dealership itself lends you the money and manages your file from start to finish.

No bank involved

The approval process does not go through the strict criteria of banking institutions, opening the door to far more credit profiles.

Fast approval

Since the decision is made internally, approval can happen in just a few hours, without the usual delays of a bank.

Ideal after a bank refusal

If your application was refused by a traditional financial institution, in-house financing is often the best available alternative.

Relaxed eligibility criteria

Income, employment and credit history are reviewed in a more human and flexible way than in a classic banking framework.

Simplified payments

Your payments are made directly to the dealership or its financial partner, under a clear agreement set at signing.

A solution for every credit profile

Good credit, bad credit, bankruptcy, consumer proposal, social assistance or newcomer: in-house financing adapts to your situation.

A first step toward better credit

By making your payments on time, in-house financing can help you rebuild your credit file for the future.

In-house auto financing questions

What exactly is in-house auto financing?▼
It is a type of financing where the dealership itself acts as the lender, without going through a bank or traditional financial institution. The dealership reviews your file and lends you the money directly to buy your vehicle.
Is in-house financing available with bad credit?▼
Yes, that is one of the biggest advantages of in-house auto financing. Since the criteria are set by the dealership rather than a bank, profiles with bad credit, bankruptcy or no credit history are often accepted.
What is the difference between in-house and bank financing?▼
Bank financing involves an outside financial institution that reviews your file against strict criteria. In-house financing removes that intermediary: the dealership becomes your lender directly, which speeds up and simplifies the process.
Is the interest rate higher with in-house financing?▼
The rate can vary depending on your credit profile, but our advisors work to offer you fair, transparent terms no matter which type of financing you choose.
Do I need a down payment for in-house auto financing?▼
In most cases, no down payment is required. However, a down payment can improve your financing terms and lower your monthly payment.
How long does approval take for in-house financing?▼
Since the decision is made directly in-house, approval can be obtained in just a few hours, unlike the longer delays of a traditional bank.
Is in-house auto financing available across Quebec?▼
Yes, our in-house auto financing service is available everywhere in Quebec, no matter your city or region.
Can I refinance my vehicle with a bank later on?▼
Yes, many clients use in-house financing as a starting solution, then refinance their vehicle with a bank once their credit has been rebuilt.

Take advantage of in-house auto financing today

No matter your credit situation, apply for free with no obligation to find out if you qualify for in-house auto financing.

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