How can I obtain car financing in Longueuil with bad credit?
How can I obtain car financing in Longueuil with bad credit?
Posted on May 1, 2025
Whether you’re buying a used vehicle to meet your daily driving needs, applying for a car loan is highly recommended. It’s a practical auto financing solution that allows you to purchase your car without having to pay the full amount upfront.
However, getting approved for a car loan can be challenging if you have a poor credit score. Here are a few helpful tips to secure auto financing—even if the odds aren’t in your favour.
What Is Considered a Poor Credit Score?
Your credit score is established as soon as you take out a loan or open a credit card that requires repayment. These activities contribute to your financial credit history.
In Quebec, credit scores range from 300 (very poor) to 900 (excellent). A score under 550–560 is typically considered problematic. The average credit score in the Quebec City area in 2025 is around 683.
The best way to maintain a healthy credit score is by paying your bills on time and making your loan payments regularly. But what if your financial record isn’t spotless and you still want to get an auto loan?
Work With a Specialized Auto Dealer
In that case, you should work with a dealer like Auto Longueuil that offers in-house car loan options. Our finance specialists are often more flexible than traditional banks and may be willing to work with you, even if your credit score isn’t ideal. Based on your financial profile, we’ll tailor a financing solution that works for you.
These financing opportunities are available to all buyers—including newcomers and residents—interested in purchasing a vehicle through the dealership.
Apply for a Loan and Get Pre-Approved
Once you visit our dealership, there are two ways to move forward with financing. First, you can request pre-approval by filling out the online form on our dealership’s website.
You’ll need to provide essential information such as your full name, phone number, address, and (if applicable) a representative’s name. You'll also be asked to provide income details, liabilities, and assets. Within a few days, you’ll receive an estimate of how much you can borrow.
The actual loan amount will be confirmed once you complete a full credit application. This step can be done online and doesn’t require prior pre-approval. However, you may be asked to submit supporting documents for review.
Finance Your Used Car Purchase with Auto Clermont in Longueuil
Auto Longueuil has years of experience providing auto loans, with a personalized approach to every customer. Our vehicle inventory is sure to have something that fits your needs—and we’ll help you finance it too.
Simply visit our Longueuil dealership website, fill out a short form, and start your auto loan application today.