2nd Chance Auto Credit
From click to car
in no time.
You see the numbers before you commit. No dealership runaround, no wasted Saturdays.
The one you wanted
is still on the table.
You settled last time. This time you don't have to.
We shop
the lenders.
You don't.
Every lender prices your file differently. We work them against each other. You keep the savings.
A no last time
is not a no forever.
Turned down, priced out, or pushed toward the wrong vehicle. All of it is worth another look.
Pick the vehicle,
not the excuse.
Car, SUV, truck or van. One click starts it and it takes about a minute.
= Approved
About 60 seconds. No impact to your credit score.
What type of vehicle are you looking for?
Pick one to start. About 60 seconds, and it will not affect your credit score.
Whatever Stopped You Last Time
- ✓Apply online in about 60 seconds. No dealership visit to get started.
- ✓We take your situation to lenders across Canada and look for the best structure available, not just the first yes.
- ✓You see the numbers before you commit. If the payment does not work, we keep looking.
- Declined before
- Payment was too high
- Not the vehicle you wanted
- Wrong timing
- Rebuilding your credit
- First vehicle, no history
Yes, Including the Hard Ones
Past credit does not decide your next vehicle. These are exactly the files we handle every day, and strong credit simply gives us more lenders to work with.
- Bankruptcy
- Consumer Proposal
- Collections
- Repossessions
- Late Payments
- No Credit History
From Click to Car in No Time
Three steps, and the first one takes about a minute.
Tell us what you want
Pick the vehicle you actually want, then give us your name and number. That is all it takes to start.
We shop the lenders
We take your situation to lenders across Canada and look for the best structure available to you, not just the first yes.
You drive away
You see the numbers before you commit. If the payment does not work, we keep looking.
Ready for Your Second Chance?
Common Questions
What people ask us most before they apply.
Will this hurt my credit score?
No. Getting pre-qualified does not affect your credit score. A full credit check only happens later, once you decide to move forward.
I was already approved somewhere, but the payment was too high. Can you do better?
That is worth a second look. Different lenders price the same file differently, and term, down payment and vehicle choice all move the payment. We shop your situation and show you what is actually available before you commit to anything.
I got approved, but only for a vehicle I did not want. What now?
Start again with the vehicle you actually want. What you qualify for depends on the lender and how the deal is structured, so being steered into something you do not want at one dealership does not mean that is your only option.
My credit is fine. Is this still for me?
Yes. Strong credit gives us more lenders to work with, not fewer. If you walked away from a deal because the numbers did not work, that is exactly what we are here to fix.
I have a bankruptcy or consumer proposal. Can I still apply?
Yes. Bankruptcy, consumer proposals, collections, repossessions, and late payments are exactly what we handle. Past credit challenges do not mean you do not deserve a second chance.
What do I need to get approved?
Most approvals come down to steady income and a valid licence. Recent pay stubs and proof of address will speed things up.
How long does it take?
The first step takes about 60 seconds. Most applicants hear back from our team the same business day.