I remember the first time I tried to finance a car with bad credit (no judgment, please!) Every dealership I walked into either turned me down or hit me with sky-high interest rates that made my jaw drop. It was frustrating, to say the least!

But just when I thought I was out of options, I discovered that not all car financing companies in Montreal play by the same rules. Some actually want to help people get behind their dream ride. 

If you’re in the same boat, don’t stress—I’ve done the research for you. Whether your credit score has taken a hit or you’re just starting to build your financial history, these car financing companies can make car ownership possible. 

Check them out here!

How we chose

1. Groupe Auto Flex ( G.A.F )

Location: 9720 Rue la Martinière
Contact: +1 514-556-1718
Opening Hours: Monday – Friday: 10:00 AM – 7:00 PM |  Saturday: 11:00 AM – 5:00 PM | Sunday: 1:00 PM – 5:00 PM
Website

Groupe Auto Flex impressed us with their extensive inventory. They have access to over 100 pre-owned vehicles from leading brands like Mazda, Honda, Toyota, and Chrysler.

We found them especially appealing to cost-conscious buyers, as their track record shows that they consistently secure the best market prices for vehicles.

On top of that, they offer a hassle-free financing process. Buyers can complete a short application form in just 20 seconds, and pre-approval granted within 10 minutes.

One of the biggest advantages is that even buyers with poor credit have options, as the dealership specialises in securing financing for various credit profiles. However, approval isn’t always guaranteed, as other factors come into play.

Transparency is another key factor we noted here. Some customers stated that the dealership was upfront about potential vehicle issues and even offered to fix them before finalising the sale.

While most transactions go smoothly, some buyers reported encountering unexpected fees during the final purchase, often involving a mandatory warranty. If you’re considering a purchase, we recommend requesting a detailed cost breakdown before signing any paperwork.

Highly recommended 

“Bought a car from them last month. The staff were really helpful. at first i was hesitant because of the reviews here on google, But I brought my own mechanic to check the car just to make sure, went on a test drive And everything is in good condition. Been using it everyday since i got it, and everythings fine. I highly recommend it.”

Den Fedfed | Google Reviews 

Great communication 

“Very nice place, service was excellent, communication was good and Ismael was a very respectful worker and does his job 100% to make every customer happy. I recommend going there.”

Tony Halajian | Google Reviews

2. Auto Finance 123

Location: 9380 Pie-IX Blvd #101
Contact: +1 514-324-3773
Opening Hours: Monday – Friday: 9:00 AM – 6:00 PM | Saturday: 10:00 AM – 5:00 PM
Website

Auto Finance 123 won high marks from us for their financing services, which are particularly beneficial for individuals facing financial hurdles. Specifically, they cater to newcomers to Canada, Uber drivers, and those with bad credit. 

Their turnkey financing formula simplifies the car-buying process into three steps: credit analysis, vehicle search, and final delivery. This streamlined approach makes it accessible for those unfamiliar with the system, as the entire process can be completed online. 

Clients we interviewed praised the fast approval process, with many receiving financing approval within just a few hours.

In terms of fees, customers noted that there were no hidden charges, as all costs were clearly outlined in the contract. Their interest rates are competitive, varying based on credit history. Buyers generally find that they can secure the lowest possible rate within their budget.

Additionally, all vehicles undergo a full SAAQ inspection (a government mechanical inspection) to ensure they meet safety and quality standards before being sold.

While many customers were satisfied, some noted that the interior and exterior cleaning did not meet expectations, with certain areas left untouched despite the wait time.

Respectful, friendly, honest 

“I am a 46 year old man who has had used vehicles from used car dealerships. And the way I felt with Claude and the others in this company pleasantly surprised me. Respectful and friendly people, kind and honest. You will say that I am exaggerating but no, I really mean it. My purchase is not yet finalized but regardless I tip my hat to this beautiful gang. Don’t give up on your good work and we’ll meet again.”

Jean-Guy Boudreau | Google Reviews 

No hidden fees 

“Really liked Jad’s service, really welcoming and no hidden fees, everything was written on the papers, thank you very much”

Lu Yao | Google Reviews 

3. Auto EVO

Location: 5600 Boulevard Métropolitain E,
Contact: +1 514-645-4111
Opening Hours: Monday – Friday: 9:00 AM – 7:00 PM | Saturday: 10:00 AM – 4:00 PM
Website

Auto EVO offers an impressive selection of pre-owned vehicles at competitive prices. Other than the extensive inventory, we also appreciate their no-pressure sales approach that makes the car-buying process more enjoyable.

One of Auto EVO’s strongest features is its financing department. They provide flexible financing plans. These include 1st, 2nd, and 3rd credit chance options that make car ownership accessible to individuals with diverse financial backgrounds.

The dealership also partners with major Canadian banks to ensure competitive rates and secure transactions. In line with this, clients noted that the finance team was thorough in explaining contract terms, so buyers understood every detail before signing.

Beyond financing, Auto EVO offers extended warranty programs for up to five years or an additional 100,000 KM, depending on the car’s make and model. This extended coverage provides buyers with peace of mind knowing they are protected from unexpected repairs. 

Unfortunately, some clients noted that their car descriptions were not always accurate, often hiding details that may deter buyers. We recommend being diligent and getting a mechanic to do a proper check.

Smooth and stress-free process 

“Outstanding experience at this dealership! Their in-house financing options made the car buying process smooth and stress-free. The detailing service was top-notch, leaving the car looking like new. Highly recommend this place for a great purchase experience and excellent customer service.”

Omar Ahmed | Google Reviews 

Exceptional service

“Received exceptional service while purchasing my first car! From start to finish, the entire process was incredibly smooth and stress-free. Sébastien made everything effortless and ensured that every detail was handled with care. I couldn’t be happier with my new car and the outstanding service provided. Highly recommended!”

Nona Mohammad | Google Reviews 

4. CAS Financement

Location: 514 Chem. de la Rivière S Local 111, Saint-Eustache
Contact: +1 855-974-7878
Opening Hours: Monday – Friday: 8:30 AM – 5:00 PM | Saturday: 10:00 AM – 4:00 PM
Website

One of the biggest advantages of CAS Financement is their all-inclusive approach to auto financing. The company supports customers from start to finish, beginning with a thorough needs analysis to understand each client’s financial situation. 

A key benefit is that they work with various financial profiles. These include self-employed individuals with irregular income, newcomers to Canada, and those with a high debt ratio. 

Their expertise in credit repair programs also helps customers improve their credit standing while securing a vehicle.

CAS Financement also earned our favour for their fast and efficient approval process. In some cases, approvals were granted within 24 hours, and vehicles were available for immediate delivery. 

We also appreciate their inventory of over 300 inspected and reconditioned vehicles. While their selection is smaller than that of most competitors, they compensate with better after-sales service, assisting customers with car maintenance and insurance options.

However, some clients reported hidden fees, particularly mandatory warranties before finalising the sale. We recommend requesting a detailed cost breakdown before pushing through. 

Fantastic services

“I just bought my first car and I’m very happy with my purchase! Alexandre was fantastic. His service was A-1. He made sure I got the car I liked and explained everthing clearly. Even the for after service he was there to help me. Thank you Alexandre”

Isabelle Lechasseur | Google Reviews 

Better than expected 

“Couple of hours,aproved,sign paper and 2,3 days later they deliver the car at my home…and the most important think is that Alexander(the guy who took care of my recuirements) explain everythink and even more that i expected..so if you want a car you will have it …100% RECOMANDATION”

Valentin Turbaceanu | Google Reviews

5. Montreal Leasing

Location: 6200 Henri Bourassa Blvd W, Saint-Laurent
Contact: +1 514-375-8393
Opening Hours: Monday – Friday: 8:00 AM – 8:00 PM | Saturday – Sunday: 12:00 PM – 5:00 PM
Website

What’s great about Montreal Leasing is their fast and efficient process. Pre-approval takes only 10 minutes, making them an excellent choice for those who need a new vehicle quickly.

One of the standout features is their extensive inventory of inspected used cars. Each vehicle undergoes rigorous testing before being released for purchase. 

The company also offers a well-organised online shopping experience, allowing customers to search for their preferred type, brand, or model via their website. 

Additionally, they assist customers with credit repair. They offer solutions for everyone, including those with poor or no credit history.

Another noteworthy aspect is their post-sale customer service. Multiple reports highlight the dealership’s commitment to customer satisfaction, including replacing faulty car batteries free of charge and responding promptly to inquiries.

While most reviews are positive, a few customers have expressed concerns about the roadworthiness of certain vehicles. Although Montreal Leasing claims that all cars are inspected, some buyers have experienced mechanical issues post-purchase.

Offers a really good interest rate

“Went to check out some cars that I saw on auto trader. Cool spot. They do rentals and they also have cars for sale. They got me financed with a really good interested rate. Had a battery issue two months later and they replaced the battery for free with no questions. Thank you guys!!”

Jordan R | Google Reviews 

Great experience 

“Had a great experience renting a car with Montreal Leasing. They have a nice fleet of luxury rentals. Staff was polite and service was on point to address all my needs.”

Massimo Boffice | Google Reviews