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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Terms of Use

Last updated: September 17, 2026

⚠️ REVIEW BEFORE LAUNCH. Working draft, not reviewed by a lawyer. Confirm the legal entity and the governing province before running ads.

1. Agreement to these terms

These terms govern your use of 2ndchanceautocredit.com and of the referral service offered on it by 2nd Chance Auto Credit (“we”, “us”, “our”). By using the site or submitting an application you agree to them and to our Privacy Policy, which forms part of these terms. If you do not agree, do not use the site.

2. What we are, and what we are not

We are a vehicle financing referral service. We collect your application and present it to the lenders and dealer partners we work with. We are not a lender, a bank, a credit union or a dealer. We do not approve credit, we do not set rates or terms, and we do not sell vehicles. Any financing agreement you enter into is between you and the lender, and any vehicle purchase is between you and the dealer.

3. Who may use the site

You must be at least 18 years old and a resident of Canada to submit an application. Where a lender or a province requires a higher age of majority, that age applies. You may only submit information about yourself, or about another person with their express permission and on their behalf.

4. Pre-qualification and no guarantee of approval

Pre-qualifying, submitting an application, or being contacted by us is not an offer of credit and does not mean you are approved. Whether you are approved, and on what rate, term and conditions, is decided by the lender based on your credit history, verified income, the vehicle chosen and the lender’s own criteria. We do not guarantee that any lender will approve you, that any particular rate or payment will be available, or that any vehicle will be available to you.

5. The information you give us

You agree that the information in your application is true, complete and about you, and that you will tell us if it changes while we are working on your file. Giving false information on an application for credit may be an offence, and it will end our work on your file.

6. Authorization to obtain credit reports

When you submit a full application you confirm that the information in it is accurate, and 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) to assess the application, now and as reasonably needed while your financing is being arranged. A lender’s inquiry may be recorded on your credit file in the ordinary way. How we and they use credit information is described in our Privacy Policy.

7. Consent to be contacted

By ticking the consent box on the application you agree that we, and the lenders and dealer partners we present your application to, may contact you about it by phone, text message and email, including by automated means. Consent is not a condition of any purchase. Standard message and data rates may apply. You may withdraw consent at any time by replying STOP to any text message, clicking unsubscribe in any email, telling us on the phone or emailing morgan@2ndchanceautocredit.com.

8. Electronic communications and records

You agree that we may communicate with you electronically, that electronic notices from us satisfy any requirement that a notice be in writing, and that our records of your application, of the boxes you ticked and of the time you ticked them are the record of the consents you gave us.

9. Lenders and dealer partners are independent

Each lender and dealer partner is an independent business. We do not control their decisions, their rates, their terms, their inventory or their conduct, and we are not responsible for them. Read any financing agreement or purchase agreement before you sign it; those documents, not these terms, govern your dealings with the lender or dealer.

10. Acceptable use

You may use the site only for its intended purpose: applying for vehicle financing for yourself. You may not submit applications in bulk, use automated tools on the site, interfere with its operation or security, or attempt to access information that is not yours.

11. Our content

The site, its text, design, images, video and code are owned by us or licensed to us and are protected by copyright and trademark law. You may view and use the site for its intended purpose; you may not copy, reproduce or redistribute it.

12. No warranties

The site and the service are provided “as is” and “as available”, without warranties of any kind, express or implied, including that the site will be available without interruption or error, or that any financing will be obtained.

13. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special or punitive loss or damage, or for any loss of profit, data or opportunity, arising from your use of the site or the service, from any decision made by a lender or dealer partner, or from any financing or purchase agreement you enter into. Where liability cannot be excluded, it is limited to the greater of $100 and the amount you paid us, which is nothing: the service is free to you. Nothing in these terms limits rights you have under consumer protection law that cannot be limited by agreement.

14. Governing law

These terms are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there. Any dispute will be brought in the courts of Alberta, unless the consumer protection law of your province gives you the right to bring it elsewhere.

15. Changes

We may change these terms by posting a new version here with a new “last updated” date. Continued use of the site after a change means you accept the changed terms.

16. Contact

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