All credit scores accepted
Bankruptcy, consumer proposal, fragile file, first-time buyer? BonAuto, in Saint-Joseph-du-Lac near Laval, works with specialized lenders in 2nd and 3rd chance credit.
No pressure, no obligation. Pre-qualification has no impact on your credit score.
2 minutes online. We collect the essentials: income, employer, address.
We shop your file around to our partner lenders for the best rate.
Once pre-approved, browse the inventory with a confirmed budget in hand.
These are three doors to the same car loan. The difference lies in the file, not the product, and we are the ones who place yours in the right spot.
Second chance is for people who have been through financial difficulties and want to get back on track. The lender looks at your current situation (income, job stability) rather than just your history. It is the most common tool for rebuilding a credit score.
Am I eligible? With a stable income, chances are good. Pre-qualification confirms it without touching your score.
Third chance is for files turned down elsewhere: multiple late payments, consumer proposal, heavy history. Even with several difficulties on file, specialized lenders exist, and we work with them.
Down payment? It is not always required, but with third chance it greatly improves your chances and lowers the rate.
Discharged from a bankruptcy or in a consumer proposal? There is no minimum waiting period with us. A well-repaid car loan is even one of the best tools for rebuilding credit: on-time payments are reported to the credit bureaus and raise your score month after month.
What if I'm not discharged yet? We'll still take a look. Some lenders accept a file in progress with demonstrable income.
No obligation. No impact on your credit score for pre-qualification.
No obligation. No impact on your credit score for pre-qualification.
