Complete your auto loan application now

Of course. We will be able to find this vehicle for you.

Every time we finance a client, the financial institution pays us an amount, depending on the amount of financing. Like a mortgage broker who finances your home. You don't pay us, it's the financial institution that pays us.

Many of our customers have found the vehicle themselves and are interested in going through us to obtain their financing in order to obtain a better interest rate than that offered by the same bank. We have the advantage of the number of transactions at Prêt Auto Québec. This gives you the right to a better rate and many financing and warranty options. This service is also free.

We have all worked in a dealership at Prêt Auto Québec and we continue to work with them to obtain their vehicle at a lower cost. Some of us have been among the best in Canada in financing and the number of financing granted per year. So, you benefit from our expertise, for free. With us it is a fast service and a service that is more focused on your needs and not those of the dealer. You use our experience of more than 17 years to obtain the best transaction, from financing to the purchase of your car.

Once your credit acceptance is approved, finding your is usually quite quick. We have partners who are dealers and garages who are able to help us in our research so that it is quick. We will be able to find you your car within two to five days. So normally for a complete transaction, it takes about a week to finance you and find your car.

It depends on you the vast majority of the time. As soon as we have the information we need to submit the file to the right lender, it is very fast. Again when we talk about speed, here is a good example;

First chance at credit; The same day (sometimes it only takes a few minutes if we have all the information and you have a good credit record with a stable job).

First chance credit with income verification (when your employment is less than two years); This can take between 24 and 72 hours.

First chance with endorser; between 24h and 72h, depending on the speed of execution of your endorser.

Second and third chance credit; If we have your proof of income from the start, you will have an answer quickly. If we have to constantly remind you to send us your documents, it can drag on; usually between 48h and 72h.

We have several partners who can analyze your financing request and thus make a decision. Is this your first time filing for bankruptcy? Are you discharged from your bankruptcy? We are specialists in second and third chance credit and in bankruptcy situations and consumer proposals. We have solutions for you.

You've worked hard to get and maintain a clean credit record. We'll do the same to get you the best interest rate and the best car loan that qualifies for you.

Financial institutions require these answers to obtain your car loan. Since we do not know you yet, we must have a clear picture of the person you are, financially speaking. With this information, they will be able to make their decision. Following this decision, we will contact you to inform you.

A financial institution has no feelings. It makes its decision based on the information provided. After reviewing your application, it accepts or rejects your car loan application. That's why we are there. We contact the financial institution if we find that your file deserves to be accepted, if it is rejected from the start. Sometimes the status is a conditional acceptance to obtain more details such as proof of income, adding an endorser to your application or changing the type of vehicle for budgetary reasons, etc. Thanks to our intervention, a large number of our clients have been approved while their financing application status was initially rejected. In the end, it's a team effort!

We are here to help you get financing so that you can buy your vehicle. If we see that it is completely impossible for you to get there, we will tell you quickly. We have a lot of experience and we have technology that allows us to analyze your credit file well before sending your application to financial institutions. That is why we are very confident to get you a car loan so that you can buy the car that suits your needs.

It depends on your credit report, your ability to pay, your debt ratio, your monthly budget and the vehicle you want to obtain. In the vast majority of cases, we respect the wishes of our customers. We simply have to be realistic between what we want and what we can buy as a car.

Absolutely. When you are a Desjardins member you have benefits and a rate reduction on your car loan is one of them. We respect this commitment, if the latter respects it in its credit decision. Depending on the program for the current month, you will have a rate reduction which is in the vast majority of cases -0.25%. You also have the possibility of financing your car loan for one or two more months and thus reduce your monthly payment, depending on your credit file and the credit decision.

Absolutely. We have partners who are financial institutions that will be able to consider your car loan application and thus make their decision. Based on your information provided and your credit file, we will be able to obtain your car financing.

It depends on several factors. In the vast majority of the time the answer is yes. We will be able to give you the answer over the phone, depending on the information you give us. We have a lot of experience with newcomers so we will be able to inform you well and help you in the process. If you have been in Canada for less than 6-12 months, be aware that you will need to have several documents on hand so that we can get you your car loan.