Second chance car financing in Montréal

A credit file that needs rebuilding shouldn’t stop you from shopping for your next vehicle. At Auto Luana, in Montréal-Nord since 2007, flexible credit options are available, including second chance financing. Every application is subject to lender approval.

What is second chance financing?

It is financing designed for buyers whose credit file isn’t perfect: past late payments, a thin file or credit to rebuild. The decision belongs to the lender, who looks at your current situation: income, employment, down payment and budget.

How to apply

1. Choose a vehicle from our inventory in Montréal.
2. Fill out the online financing pre-approval: a few simple steps, no obligation.
3. Mention any down payment or vehicle to trade in.
4. A member of our team contacts you with the next steps.

Preparing your file

• Have your employment and income details ready.
• Think about the monthly budget that really works for you, insurance included.
• A down payment or a trade-in can help present a stronger file.
• Financing may be limited for vehicles older than 2016: ask an advisor about the options.

A vehicle that fits you

Whether you’re purchasing your first car, upgrading to a newer model, or looking for a family vehicle, we provide financing solutions tailored to fit various budgets. Most of our vehicles are displayed indoors, so you can compare in comfort, even in winter.

• 2016 Toyota Corolla #628046 — $10,950 · 175,000 km · Manual · FWD · Gasoline · Stock 628046
• 2018 BMW X1 — $14,950 · 106,000 km · Automatic · AWD · Gasoline · Stock L29719
• 2014 Mercedes-Benz CLA-Class — $12,950 · 88,000 km · Automatic · AWD · Gasoline · Stock 160296
• 2007 Land Rover Range Rover Sport — $6,850 · 162,000 km · Automatic · AWD · Gasoline · Stock 109764
• 2017 Audi A3 #042166 — $14,450 · 85,000 km · Automatic · FWD · Gasoline · Stock 042166
• 2018 Toyota Yaris #086380 — $12,550 · 169,000 km · Manual · FWD · Gasoline · Stock 086380

Under $10,000 · Under $15,000

Frequently asked questions

Is second chance financing guaranteed?

No. No approval is guaranteed: every application is subject to lender approval, based on your file.

Does the online pre-approval commit me?

No, it comes with no obligation. It lets us understand your situation before we contact you.

What rate will I get?

The rate and terms are set by the lender based on your file. We do not publish rates in advance.

Can I use my current vehicle?

Yes, mention it in your application: its value can be taken into account in your purchase.

Find us in Montréal-Nord

Auto Luana is at 10555 Av. Drapeau in Montréal. We also welcome buyers from Saint-Léonard, Anjou, Rivière-des-Prairies, Ahuntsic, Saint-Michel and Laval.

Directions to Auto Luana (Google Maps)

Start my pre-approval · Call 514-327-5553

Financing pre-approval · Under $10,000 · Under $15,000 · Value your trade-in · FAQ