At Prêt Auto Partez, we believe that an informed and heard client is a confident client. Here are clear and transparent answers to the most frequent questions we receive about securing a bad credit car loan. Our goal is to respectfully guide you through every step of your 2nd chance auto financing process and help you obtain the best used vehicle financing for your needs.
Trust is the foundation of our work. Our approach is based on 3 pillars:
Absolutely. Your data security is our absolute priority. Our site and our application forms are protected by bank-level SSL encryption. Only the analysts assigned to your file have access to your information, which is treated with the greatest confidentiality.
2nd chance credit (or 2nd chance auto financing) is an approach for individuals with a difficult credit file. Instead of relying solely on a damaged credit history, it considers your current situation to allow you to obtain a bad credit car loan and rebuild your credit. We call this “The Car Loan That Forgives.”
Yes. It is even our specialty. We work with financial institutions that understand that difficult situations can happen. Our expertise allows us to build a solid file that highlights your current repayment capacity.
Yes, absolutely. Securing a bankruptcy car loan is a core part of our mission. We have specific programs designed to help you regain mobility and start your credit rebuilding journey immediately after or even during a bankruptcy process.
Yes, a car loan managed responsibly is one of the best tools to improve your score and credit file. Every payment made on time is reported to the credit bureaus (Equifax and TransUnion) and recorded in your file. This demonstrates your financial reliability and good management, which increases your score over time.
Our process protects your credit score. Our rapid pre-qualification tool has no impact on your credit file. It is only when you give your agreement for a formal loan application with a specific amount that the lending institutions will perform an official check that will be recorded in your file.
A credit inquiry is an evaluation of your borrowing capacity, often the first step to establishing your budget. Apply for financing request is a formal demand for a specific amount tied to a specific vehicle.
Rates vary based on your situation (income, debt, job stability). Our role is to negotiate for you the lowest possible rate from our 20+ financial partners. Since every case is different, the best way to find out is to make a free, no-obligation credit pre-qualification request that has no impact on your credit file.
Yes, the majority of our loans are granted with $0 down (no cash deposit). Your exchange vehicle can also serve as a down payment.
The amount is determined by your repayment capacity, calculated based on your income and your debts. Our goal is to get you a loan for the financing of a recent, guaranteed vehicle that respects your budget and your needs.
The process is simple:
Yes, absolutely. We accept trade-in vehicles. The value of your current car credit asset can even serve as a down payment to reduce your monthly payments.
Our team is ready to analyze your bad credit car loan application with no obligation on your part. Start by filling out our Apply for financing form or your specific used vehicle financing request. Let our credit analysts find the best car credit offer on the current market for your specific situation.
No matter your credit file, securing 2nd chance auto financing tailored to your needs is possible in 99% of cases. Our mission is to find you a solution that works for you.
Access an inventory of over 200 new and recent used vehicles available at the dealership for your used vehicle financing.
The objective is to obtain an auto loan at the best possible rate for your bad credit car loan.
Our new or recent vehicles are of premium quality and guaranteed, ensuring you drive away with full peace of mind.
