5151 boul. Industriel, Montréal-Nord, QC H1G 3H2, Canada

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Bad credit car financing in Montréal-Nord

A rough credit history does not have to keep you off the road. At Classe Auto, 5151 boul. Industriel, Montréal-Nord, QC H1G 3H2, Canada, we offer first, second and third chance car financing, with flexible credit options that include second-chance financing. Financing subject to lender approval.

First, second or third chance: what it means

First chance usually means your credit is in good shape, or you are borrowing for the first time with a clean record. Second chance is for people who have missed payments, had an account sent to collections or been declined by a bank. Third chance covers heavier files, where several problems have piled up. In every case the goal is the same: find a lender willing to look at your real situation, and a vehicle whose payment fits your budget.

We are not the lender. We send your application to lenders and help you put together a clear, complete file. The decision, the rate and the term are set by the lender. Financing subject to lender approval.

How the application works

  1. Fill out our online financing form in a few quick steps, or call us at 514-360-4448.
  2. An advisor goes over your application with you: income, job, housing, the vehicle you want and any down payment.
  3. Your file is presented to one or more lenders, who give their answer and set their terms.
  4. If an offer is approved, we pick a vehicle that fits the approved payment together, and you take it for a test drive.
  5. You sign, show proof of insurance, and drive home.

What helps a lender say yes

Picking the right vehicle when credit is tight

With a fragile file, the price of the vehicle matters even more. A compact sedan or a small, reasonably priced SUV often leads to a payment that is easier to get approved than a luxury model. Our inventory of more than 100 inspected used vehicles includes cars under $10,000, under $15,000 and under $20,000, which leaves room to adjust the plan to the lender’s answer.

Under $10,000 · Under $15,000 · Inventory

Rebuilding your credit with a car loan

A car loan paid on time, payment after payment, is one of the most concrete ways to rebuild your credit file. Schedule your payments around payday, keep some money aside for maintenance and winter tires, and avoid taking on new debt during the first months. Your next purchase may then come with better terms.

Serving Montréal-Nord and nearby areas

Our dealership is on boulevard Industriel, in the east end of Montréal-Nord, close to boulevard Henri-Bourassa and to the Highway 25 and Highway 40 interchanges. Customers come from Anjou, Saint-Léonard, Rivière-des-Prairies, Montréal-Est and Laval. We are open Monday to Friday from 9 a.m. to 6 p.m. and Saturday from 10 a.m. to 4 p.m. (closed Sunday).

Directions to Classe Auto (Google Maps)

Frequently asked questions

Can you guarantee my approval?

No. Nobody can honestly promise approval: the lender decides, based on your file. Our job is to present your application well and suggest a realistic vehicle. Financing subject to lender approval.

Does applying online commit me to buy?

No. The application is a way to see what options are open to you. You stay free to choose a vehicle, or not to buy at all.

Can I use my current vehicle as a down payment?

Yes, we take trade-ins. Its value can lower the amount you finance. Use the Value your trade-in page or bring it when you visit.

What documents should I bring?

Your driver’s licence, recent proof of income, proof of residence and, when you take the vehicle, proof of insurance.

Apply for financing · Call 514-360-4448

Financing application · Newcomers · Under $10,000 · Under $15,000 · Value your trade-in