Specialized service

Auto Loan Between Private Parties

Find a great used car from a private seller and let us finance it. Kijiji, Marketplace, Facebook, private listing - no matter where you find it, we can finance it. Best prices guaranteed.

Benefits of buying between private parties

The best car deals are often found outside dealerships. Here is why.

Sell or Buy

Whether you are buying a private vehicle or helping someone finance it

Better price

Often cheaper than at dealerships, better deals

Inspection included

We include a free mechanical inspection before financing

100% Transparent

Zero hidden fees, clear process from start to finish

Typical price comparison

Dealership

$18,000

Private party

$14,500

Same car, $3,500 in savings! We finance the private amount, you save.

Simple and fast process

1

Find your car

Kijiji, Marketplace, Craigslist, or a private listing. Identify the vehicle of your choice.

2

Pre-approval request

Fill out our quick form. Find out how much you can finance.

4

Agreement with the seller

Negotiate the price and terms directly. We help you with the documents. Service also offered in-dealership.

5

Financing approved

Once approved, funds are paid to the seller. You become the owner.

Guaranteed security

We handle everything legally. Funds move securely through our partner institutions.

For the buyer

  • Secure and legal financing
  • Mechanical inspection recommended
  • Complete transfer documents
  • Mandatory auto insurance

For the seller

  • Fast and secure payment
  • We verify the buyer
  • No risk of bounced checks
  • Complete legal documentation

Common questions

Can I finance a used car between private parties?▼
Absolutely! That is exactly this service. You find the car, we finance it. Simple and transparent.
What is the maximum age of the vehicle?▼
Generally up to 12-15 years old. Older = harder to finance. Mechanical condition matters more than the year.
How is the seller paid?▼
Funds are transferred to the seller's account via secure bank transfer. Everything is done legally and officially.
What is the minimum down payment?▼
None mandatory, but 10-20% speeds up approval and reduces your total interest cost.
How much does this service cost?▼
Zero extra fees. You pay the same rate as for a dealership car. Administrative fees included.
Can I buy from a friend or family member?▼
Yes, totally possible. We handle everything legally. It is a great way to help someone sell their car.
How long does the whole process take?▼
5-10 days if everything goes well. Inspection (1-2 days) + approval (2-3 days) + paperwork (1-2 days) = ~1 week.

Find the best deal

We finance the best used cars in Quebec. Between private parties, no surprises, no hidden fees.