1st, 2nd and 3rd chance car financing in Montréal

A late payment, a maxed-out credit card or a repossession leave marks on a credit file, but they do not close every door. At Auto Focus International, on rue Jarry Est in Montréal, 1st, 2nd and 3rd chance credit financing is part of our everyday work. You fill in a short online application, our team answers quickly, and then you choose your vehicle knowing how much room you have.

Three situations, three ways to approach credit

• 1st chance: your file is in good shape. The goal is to compare terms and pick a length that keeps the total cost reasonable.
• 2nd chance: a few late payments, high card balances, an account in collection or a short history. Flexible credit options are available, including second-chance financing.
• 3rd chance: a bankruptcy or a consumer proposal is on your file, completed or ongoing. Our page on financing after a bankruptcy explains what to prepare.

How it works, step by step

1. You fill in the online financing form, or call 514-593-4333 if you would rather talk it through.
2. A quick answer from our team: an advisor contacts you to understand your income, your job and the payment that fits your budget.
3. Only with your consent, your credit is checked and your file is submitted to one or more lenders.
4. Once the terms are known, you choose the vehicle, take your test drive and sign when everything is clear.

What a lender really looks at

A lender does not stop at a score. It looks at how stable your income is, how long you have held your job, how much of your budget already goes to other payments and the value of the vehicle being financed. That is why two people with the same score can get different answers. Financing is always subject to lender approval, terms vary from one file to the next and no approval is guaranteed. Our job: build your file properly and explain clearly what you are being offered.

Putting the odds on your side

• Keep your recent pay stubs handy or, if you are self-employed, your notices of assessment.
• Plan a down payment if you can: even a modest one lowers the amount to finance.
• Think about your current vehicle: we accept trade-ins, and its value can reduce what you borrow.
• Aim for a vehicle that leaves breathing room in your monthly budget rather than the highest possible payment.
• Make every payment on time: it is the most direct way to rebuild your credit month after month.

Used vehicles under $15,000

• 2020 Hyundai Accent — $13,995 · 91,000 km · Automatic · FWD · Gasoline · Stock 116089
• 2018 Kia Rio — $11,995 · 85,000 km · Automatic · FWD · Gasoline · Stock 048695
• 2016 Honda Civic — $13,995 · 113,000 km · Automatic · FWD · Gasoline · Stock 017394
• 2018 Honda HR-V — $14,995 · 168,000 km · Automatic · AWD · Gasoline · Stock 100995
• 2020 Nissan Sentra — $14,995 · 90,000 km · Automatic · FWD · Gasoline · Stock 281434

Under $15,000 · Inventory

A less expensive vehicle means a smaller amount financed, and often a file that is easier to present. Don’t see the model you want? Tell us: our team can track it down through dealers across Canada, the United States and elsewhere in the world.

Customers from the east and north of the island

Auto Focus International is at 3640, rue Jarry Est, Montréal, QC H1Z 2G5, Canada, in the Saint-Michel area, close to Highway 40 (the Metropolitan). We welcome customers from Villeray, Ahuntsic, Saint-Léonard, Montréal-Nord, Anjou, Rosemont and Laval who want a fresh start with their credit.

Directions to Auto Focus International (Google Maps)

Credit questions

Will my credit be checked as soon as I send the form?

No. A credit check only happens with your consent. An advisor first explains the process and answers your questions.

What interest rate will I get with 2nd chance credit?

The rate is set by the lender based on your file, your income, the vehicle and the length of the loan. We cannot announce it in advance; it is shown to you before anything is signed.

Can I trade in my current vehicle even with weak credit?

Yes, we accept trade-ins. Your vehicle’s value can lower the amount to finance, which often helps the file.

Can a car loan help me rebuild my credit?

Payments made on time, month after month, are reported on your file and help improve it. What matters is choosing a payment you can keep up until the end.

Start my financing application · Phone 514-593-4333

Financing application · After a bankruptcy or a proposal · Newcomers to Canada · Payment calculator · Under $15,000