At Auto Credit Specialists in Québec, we help drivers get approved for car loans — no matter their credit history. Whether you’re rebuilding your credit, new to Canada, or just starting out, we work with top lenders to make your approval process simple and stress-free.
And now, there’s an even bigger reason to connect with us — our exclusive referral program that can pay you up to $1,000 per referral.
How to Get Approved for a Car Loan in Québec
Even if you’ve been turned down before, you can still get financing when you work with the right specialists. Here’s how to improve your chances:
1. Know What Lenders Look For
Approval is based on:
- Your income (proof of stable earnings helps)
- Employment history
- The vehicle price relative to your budget
We’ve helped people with:
- No credit or limited history
- Bad credit or past bankruptcies
- International driver’s licenses
- Self-employment income
2. Choose the Right Vehicle
Pick a reliable car that fits within your maximum payment limit. For example, we can help you find options starting as low as $150 biweekly.
3. Strengthen Your Application
- Bring recent pay stubs or bank statements
- Offer a down payment if possible
- Keep your requested loan amount realistic
4. Rebuild Your Credit
A car loan is more than transportation — it’s a tool for credit repair. Consistent, on-time payments for 12–18 months can improve your credit score and help you qualify for lower interest rates in the future.
Earn Up to $1,000 for Every Referral — It Pays to Share!
At Auto Credit Specialists in Québec, we’d rather reward our customers, friends, and community than spend big on advertising. That’s why we’ve created the most generous referral program in the industry.
Here’s how it works:
💸 Earn $300 to $1,000 for every successful referral
✔ Open to everyone — no purchase necessary to refer
🚗 Referral must be submitted before loan approval
⚡ Paid by e-transfer within 2 business days after the transaction is complete
The more you refer, the more you earn:
- 1st referral: $300
- 2nd referral: $500
- 3rd referral: $750
- 4th & beyond: $1,000 each!
Whether it’s a friend, family member, coworker, or neighbor, send them our way and get rewarded when they purchase and finance a vehicle with us. Contact Us Now!