Will you check my credit?

Yes. When you submit your full application you authorize us and the lenders we work with to obtain your credit report. That is what lets us shop your file properly instead of guessing.

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.

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Privacy Policy

Last updated: September 17, 2026

⚠️ REVIEW BEFORE LAUNCH. Working draft. It describes what this website actually does, but it has not been reviewed by a lawyer. Confirm the legal entity, the retention period, the governing province and your provincial obligations before running ads.

1. Who we are

2nd Chance Auto Credit (2ndchanceautocredit.com) is a vehicle financing referral service for people in Canada. In this policy, “we”, “us” and “our” mean 2nd Chance Auto Credit. We are not a lender. We take the information you give us and present it to the lenders and dealer partners we work with, so that they can consider your financing.

2. Your consent

By giving us your personal information, whether through this website, by phone, by text message or by email, you consent to our collecting, using, disclosing and keeping it as this policy describes. Where the law requires a specific form of consent, we ask for it at the time, for example the boxes you tick on the application form.

You may withdraw your consent at any time, subject to legal and contractual limits and to reasonable notice, by contacting us as set out at the end of this policy. If you withdraw consent we may no longer be able to arrange financing for you.

3. What “personal information” means

Information about an identifiable individual. It does not include the name, title, business address or business telephone number of an employee of an organization, or information that is publicly available in a directory or similar publication.

4. What we collect

(a) What you give us

The application on this site collects, in this order:

The type of vehicle you want and the monthly payment you have in mind
Your name, phone number and email address
If you complete the full application: employment status, income and how often it is paid, housing status and monthly housing payment, street address, city, province and postal code, and date of birth

We may collect further information from you by phone, text or email while we work on your file, for example your employer, how long you have been there, the details of a trade-in, or a co-applicant. Calls with our finance team may be recorded for accuracy and training. Tell us at the start of a call if you do not want it recorded.

(b) Collected automatically

When you visit this site we record the page you arrived from, any advertising campaign identifiers carried in the link you clicked, your IP address and your browser type. We use these to know which advertising brings applications and to protect the site from abuse. See section 12 for cookies and analytics.

(c) Credit reports

When you submit a full application you authorize us, and the lenders and dealer partners we present your application to, to obtain your credit report and related information from a consumer reporting agency such as Equifax or TransUnion, and to obtain it again as reasonably needed while your financing is being arranged. That authorization is the box you tick on the final step of the application. We use your credit information to decide which lenders your application suits, and lenders use it to decide whether to approve you and on what terms.

A lender or dealer partner we have presented your application to may request a credit report for any purpose legitimately connected with your application for credit, under its own privacy policy.

(d) Information about your application from lenders and dealers

Lenders and dealer partners may tell us whether your application was approved, on what terms, and whether a vehicle purchase completed, so that we can keep your file accurate and know when our work on it is done.

5. How we use it

To contact you about your application, by phone, text message or email
To assess which lenders and dealer partners your situation suits
To present your application to those lenders and dealer partners
To verify your identity and the information you gave us, and to detect and prevent fraud
To keep records of the consents you have given us
To measure which advertising brings applications and to improve this website
To tell you about vehicle financing offers we think fit you, where you have agreed to that
To meet our legal obligations and to establish, exercise or defend legal claims

6. Who we disclose it to

(a) Lenders and dealer partners

This is the purpose of the service. We disclose your application, including your contact details, employment and income, address, date of birth and credit information, to the lenders and dealer partners we consider suitable for your situation, so that they can assess it and, if approved, complete a financing agreement with you. Each is an independent business with its own privacy policy, and once we have disclosed your information to one of them, its use of that information is governed by that policy, not this one.

(b) Service providers

We use service providers who process information on our behalf: email delivery, customer relationship software, website hosting, telephony and text messaging, and analytics. They may only use your information to provide their service to us, and they are required to protect it.

(c) When the law requires it

We may disclose your information where the law requires or permits it, including to a court, a regulator or law enforcement, to comply with a subpoena or court order, or to protect our rights, our property or the safety of any person.

(d) Business transactions

If our business or a part of it is sold, merged or reorganized, your information may be transferred to the successor as part of that transaction, on condition that it continues to be protected in a way consistent with this policy.

7. Where your information is kept

We and our service providers may store and process your information in Canada and in the United States. While it is in another country it may be accessible to that country’s courts, law enforcement and national security authorities under that country’s laws.

8. How long we keep it

We keep the information in an application for 24 months after we last worked on it, and then delete or anonymize it, unless we need to keep it longer to meet a legal obligation, to establish, exercise or defend a legal claim, or to honour a request you have made to us. Records of the consents you gave us are kept for as long as we may need to show that you gave them.

9. How we protect it

We use administrative, technical and physical safeguards appropriate to the sensitivity of the information: encrypted connections to this website, access limited to the people who need it to work on your file, and service providers held to the same standard. No system is perfectly secure, and we cannot guarantee that information will never be lost or misused, but we treat financial and identity information as the most sensitive information we hold.

10. Accuracy, access and deletion

You are responsible for the accuracy of the information you give us, and you should tell us when it changes. You may ask us what personal information we hold about you, ask us to correct it, or ask us to delete it, by contacting our Privacy Officer at the address in section 14. We will respond within 30 days. Access and deletion are subject to the exceptions and limits in applicable law; for example we may need to keep a record of an application that was presented to a lender.

11. Contact from us, and how to stop it

We contact you because you asked us to, by ticking the box on the application. That consent is not a condition of any purchase. To stop hearing from us, reply STOP to any text message, click unsubscribe in any email, tell us on the phone, or email us. We will stop, apart from any message we are legally required to send you.

12. Cookies and analytics

We do not load analytics until you accept them in the banner shown on your first visit. If you decline, no analytics cookies are set. Advertising platforms whose links bring you here (for example Meta and Google) may set their own cookies under their own policies when you click their ads; this site records only the campaign identifiers carried in the link. You can clear your choice by clearing this site’s data in your browser.

13. Other websites and businesses

This policy covers this website and our own handling of your information. It does not cover the lenders, dealer partners, advertising platforms or other businesses we link to or refer you to, each of which has its own privacy policy that you should read.

14. Changes and how to reach us

We may update this policy by posting a new version here with a new “last updated” date. Continued use of the site or of our service after a change means you accept the updated policy.

Questions, access requests, and complaints go to our Privacy Officer:
2nd Chance Auto Credit, Privacy Officer
morgan@2ndchanceautocredit.com
(780) 242-1116

If you are not satisfied with our response you may complain to the Office of the Privacy Commissioner of Canada, or to the privacy commissioner of your province.