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.

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Privacy Policy

Last updated: September 13, 2026

⚠️ REVIEW BEFORE LAUNCH. This is a working draft covering what this website actually does technically. It has not been reviewed by a lawyer. Confirm the operator details, retention period, and your provincial obligations before running ads.

Who we are

2nd Chance Auto Credit (2ndchanceautocredit.com) helps people in Canada find vehicle financing. In this policy, “we” and “us” mean 2nd Chance Auto Credit.

What we collect

When you submit the form on this site, we collect what you enter:

Your name, phone number, and email address
The credit situation and vehicle type you select
If you complete the second step: employment status, employer, income, housing status and payment, city, province, trade-in, and down payment

We also automatically record the page you arrived from and any advertising campaign identifiers in the link you clicked, plus your IP address and browser type.

We do not run a credit check from this website, and submitting the form does not create a credit inquiry.

Why we collect it

To contact you about vehicle financing, to assess which lender may suit your situation, and to measure which advertising works. We contact you because you asked us to by checking the consent box.

Who we share it with

We share your information with lenders and dealer partners for the purpose of finding you financing. We also use service providers who process data on our behalf, which may include email delivery, spreadsheet storage, customer relationship software, and website hosting. We do not sell your personal information.

Analytics and cookies

We do not load analytics until you accept them in the banner shown on your first visit. If you reject, no analytics cookies are set. You can clear your choice by clearing this site’s data in your browser.

How long we keep it

We keep lead information for 24 months, then delete it, unless we are required to keep it longer by law.

Your rights

You can ask us what we hold about you, ask us to correct it, ask us to delete it, or withdraw your consent to be contacted. Email us at morgan@2ndchanceautocredit.com and we will respond within 30 days. You may also complain to the Office of the Privacy Commissioner of Canada.

How to stop hearing from us

Reply STOP to any text message, click unsubscribe in any email, or tell us on the phone. We will stop.

Contact

2nd Chance Auto Credit
morgan@2ndchanceautocredit.com
(780) 242-1116