2nd-chance
auto credit.
Bankruptcy, consumer proposal, late payments, layoff, newcomers — whatever your file, our financing team and Prêt Auto Québec partners find the lender who'll say yes.
How it works.
You apply online
Fill out the secure form below. No credit-file pull at this step.
We shop the lender
Our team submits your application to 9+ specialized lenders, including Prêt Auto Québec, for the best possible rate.
You drive off
Pre-approval in 24–48 h. Signing and delivery at our Lévis dealership.
We say yes when others say no.
We finance the following situations. Every file is reviewed by a human, never by an algorithm alone.
The documents that speed up your file.
Proof of income
Two latest pay stubs or self-employed financials.
Insurance & licence
Valid driver's licence and proof of insurance.
Proof of residence
Electricity bill or recent bank statement.
Down payment (optional)
Down payment statement or trade-in value.
NIRAS
Revenu Québec assessment notice.
Request your financing.
No credit-file pull at this step. Our team reaches you by phone to finalize in full confidentiality.
Why us?
- 9+ lenders at your service
- Proud partner of Prêt Auto Québec
- Pre-approval in 24–48 h
- Trade-in of your current vehicle
Your questions on 2nd-chance credit.
Does bankruptcy stop me from getting financing?
No. Several specialized lenders work with bankruptcy or consumer proposal files. Each case is assessed individually.
Is a down payment required?
Not necessarily. A down payment, even modest, improves the rate and monthly payment.
How long until a decision?
Pre-approval usually takes 24 to 48 business hours after all your documents are received.
Will my credit file be pulled right away?
No. The online form triggers no pull. The pull happens only with your consent, after talking with our team.
Which vehicles can I finance?
All vehicles in inventory at Mitsubishi Lévis: Outlander PHEV, Outlander, Eclipse Cross, RVR, plus our used vehicles.
Can I trade in my current vehicle?
Yes. Trading in your current vehicle can serve as an added down payment, whatever its market value.