Build Credit. Drive Today. Own Tomorrow.
Looking for a way to rebuild your credit while still getting the car you need?
ACS Québec proudly offers a 12-month credit building car loan program designed specifically for people with bad credit, no credit history, or newcomers to Canada.
With on-time monthly payments reported to credit bureaus, this unique vehicle financing solution in Québec gives you a second chance — while helping you get approved for better auto loan rates in the future.
What Is the 12-Month Credit Builder Program?
Our credit repair auto loan program is built for people who need a reliable car and want to improve their financial future. Over the course of 12 months, your monthly car loan payments are reported to major credit bureaus, helping you steadily improve your credit score.
Why Choose ACS Québec?
At ACS Québec, we help you do more than just buy a car. We help you build your credit profile — so that by the end of the year, you’re in a better place financially.
Here’s what you get:
- 📈 Credit score improvement via consistent, on-time reporting
- 🚗 A quality vehicle loan for poor credit score
- 💰 Fair, transparent terms with no hidden fees
- 🔁 Option to refinance your car loan after 12 months at a lower interest rate
- 📋 Support from our bilingual financial advisors throughout the process
Who Qualifies?
This program is ideal if you:
- Have bad credit, no credit, or are a first-time buyer
- Are a new Canadian resident
- Have been denied a car loan before
- Want to rebuild credit with a car loan
- Need an auto loan with no credit history
- Have a steady income and are committed to making payments
How the Program Works
- Apply Online at acsquebec.com and we will schedule a consultation
- We assess your auto financing needs and credit profile
- You choose from approved reliable vehicles that match your budget
- We set up a monthly car loan with 12-month terms
- You make on-time payments → we report to credit bureaus
- After 12 months, you may upgrade your vehicle or refinance for better rates
What You Need to Know
✅ You must make all 12 payments on time
✅ Interest rate may be higher at first — but it improves as your credit improves
✅ We work with top car finance lenders in Québec
✅ You’ll have access to our auto loan monthly payment calculator to stay on track
✅ Missed payments may delay your credit progress
🌟 Real Results from Our Clients
“I had a 540 credit score. After 12 months with ACS Québec, I refinanced and now pay half the interest I used to. Credit jumped by 90 points!”
— Michel, Laval
“As a newcomer, I had no credit in Canada. ACS helped me get a car, start building credit, and now I’m approved for a line of credit.”
— Sara, Montréal
How to Apply
Click below to apply for the 12-Month Credit Building Auto Loan Program at ACS Québec.
✔ 100% secure online application
✔ Get a response in 24 hours
✔ Drive your approved vehicle within days
FAQ
Q: Can I apply if I’ve been bankrupt before?
Yes! This program is designed for people rebuilding from bad credit or bankruptcy.
Q: Will I need a co-signer?
Not necessarily. We evaluate each file based on income, stability, and other factors.
Q: Will this help me improve my credit score?
Yes — payment history is the #1 factor in your credit score. Consistent monthly payments help you build trust with lenders.