How to Get a Car with Bad Credit in Montreal

The Easiest Way to Buy a Car in Canada.

At Canada Drives, we believe that car shopping should be an amazing experience, so we did something about it.

Traditionally, buying a car in Montreal means you have to leave your home to find a vehicle, hopping from dealership to dealership, getting pressured by salespeople and getting rushed through the test drive until you find a car you think you might like.

Then, you fill out the finance application. If you get declined due to bad credit, it can be incredibly frustrating after all that time you invested.

Fortunately, there's a new way to buy a car.

Canada Drives makes car shopping easy

As Canada's largest online vehicle retailer, we’re partnered with dozens of prime and non-prime lending partners (including some of The Big 5 banks) in Montreal to help all kinds of credit situations.

With Canada Drives®, you can apply for finance online in a couple of minutes, get pre-approved in a couple of hours, and be driving your new car as soon as tomorrow!

Get approved today!

Simply fill out our online application. It's free, only takes two minutes to complete, and we only ask for information required to unlock the best possible car deals.

The Canada Drives advantage

If you’ve been declined for finance in the past, you’ve come to the right place. Here's what sets Canada Drives apart.

  • We work with all credit situations: Bad credit? No credit? No matter where you are on the credit spectrum, we are here to help!
  • Easy online application: We have made the online application process extremely quick and painless. It's free and takes just two minutes to complete.
  • No more face-to-face appointments: We do everything online, so you can skip the pressure-filled salesperson interactions and shop at your own pace.
  • Massive selection of vehicles: Whether you want a car, truck, van, or SUV, there are currently hundreds of certified vehicles (and dozens more added every day) to match every preference and taste.
  • Delivered to your door: Vehicles delivered as soon as the same day to most regions in Montreal.
  • Love it or return it: Test own your new car to make sure it's the right fit with our 7-day Money-Back Guarantee!

Here’s how it works

  1. Calculate your budget in seconds (optional): You decide what your budget allows for. You can use our car loan calculator to figure out your monthly payments. You don’t need to know your credit score before applying, but if you're interested you can learn your credit score for free at sites like Borrowell.
  2. Get pre-approved (recommended): If you have low credit, we highly recommend getting pre-approved before you start looking at vehicles. Complete our free, two-minute preapproval application and we'll let you know what car deals you're eligible for.
  3. Start your search: Browse our certified inventory and choose your car. You can sort by year, make, model, lifestyle, whatever you decide to easily narrow down your options.
  4. Flexible payment methods: Complete the entire purchase online. You can pay by cash, credit card or bank draft. You can also finance the purchase with your own bank or with us. Enjoy zero down payment financing, and get an instant quote for your trade-in. 
  5. Delivered to your door: Once you have chosen your car you can pick a delivery date and time that fits your schedule and we’ll deliver it straight to your doorstep.

Get approved for a bad credit car loan in Quebec

We don’t just serve Montreal, we’re set up to help nearly every car buyer in Quebec!

So if you’re tired of wasting time and getting declined, get pre-approved for your bad credit car loan today!

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