Bad credit car financing in Montreal, Saint-Michel area
A damaged credit file should not stop you from getting to work. Auto Finance 123, on Pie-IX Boulevard in Montreal, prepares a 1st, 2nd or 3rd chance credit financing request with you, then helps you pick an inspected used car that respects your budget. The pre-approval request is free and comes with no obligation. Financing subject to lender approval.
What “bad credit” really means
There is no single bad credit profile. For some people it is a few missed payments after losing a job. For others it is a maxed-out credit card, an account in collections, a repossessed vehicle or an almost empty file because they never borrowed. Each situation looks different to a lender, which is why we take the time to understand yours before we look for a vehicle.
1st, 2nd or 3rd chance credit
- 1st chance: your file is in good shape or you are building a first file, and you want a reliable vehicle without complications.
- 2nd chance: late payments, high debt, a repossessed vehicle or a thin file. Flexible credit options exist, including second-chance financing.
- 3rd chance: bankruptcy or consumer proposal, in progress or completed. Our page on financing after bankruptcy explains this situation in detail.
Your request, step by step
- Credit analysis: fill in the quick online form, about 20 seconds, or call 514-324-3773.
- A team member calls you back to talk about your income, your budget and the type of vehicle you need.
- Vehicle search: we find the cars in our inventory that match the amount you can pay.
- Delivery: once the lender approves the financing, you sign and leave with a vehicle inspected by a SAAQ mandatary.
What strengthens your file
- Stable income that is easy to show, whether it comes from a job, self-employment or driving with Uber.
- A down payment, even a small one, or a vehicle to trade: its value can lower the amount to finance.
- A vehicle chosen for your real weekly budget rather than the highest possible payment.
- Payments made on time for the whole loan, which help rebuild your credit for the future.
Cars that respect a tight budget
On our listings, the weekly payment shown is an estimate calculated at 9.99% over 72 months, taxes extra. It helps you quickly spot the vehicles that fit your budget, but your actual payment depends on your file and the lender. Here are a few recent vehicles under $15,000.
- 2016 Honda HR-V #102128 — $13,498 · 127,870 km · Automatic · AWD · Gasoline · Stock 102128
- 2018 Hyundai Kona #109389 — $10,998 · 157,640 km · Automatic · FWD · Gasoline · Stock 109389
- 2018 Mazda Mazda3 — $11,498 · 157,640 km · Automatic · FWD · Gasoline · Stock 188850
- 2014 Toyota RAV4 — $12,495 · 139,745 km · Automatic · AWD · Gasoline · Stock 177267
- 2013 Toyota RAV4 — $11,498 · 146,820 km · Automatic · FWD · Gasoline · Stock 050168
- 2018 Hyundai Kona #084306 — $12,498 · 138,220 km · Automatic · AWD · Gasoline · Stock 084306
Under $10,000 · Under $15,000 · Inventory
A dealer in the east of Montreal
Our dealership is at 9380 Pie-IX Blvd #101, Montreal, QC H1Z 4E9, Canada, in the Saint-Michel area, near Saint-Léonard. It is reached by Pie-IX Boulevard and Highway 40 (Metropolitan). We welcome customers from Montréal-Nord, Villeray, Rosemont, Anjou and Laval who want to get back on the road despite difficult credit. Start online, then come and test drive the vehicle you picked.
Directions to Auto Finance 123 (Google Maps)
Frequently asked questions
Can you help me if I have bad credit?
Yes. We prepare your request for 1st, 2nd or 3rd chance credit financing, with flexible options such as second-chance financing. Financing subject to lender approval.
Does the pre-approval request cost anything?
No. The pre-approval request is free and comes with no obligation. The quick form takes about 20 seconds.
What rate will I get?
The rate depends on your credit file, your income, the vehicle and the term. The payment shown on our listings is only an estimate at 9.99% over 72 months, taxes extra.
Which documents do I need to provide?
It depends on your situation. A team member will tell you which documents to bring after your request.
Get my free pre-approval · Call 514-324-3773
Financing application · After bankruptcy or a proposal · Newcomers and Uber drivers · Payment calculator · Under $15,000