F.A.Q.

CAN YOU HELP ME IF I’VE BEEN REFUSED BY ANOTHER INSTITUTION?

Yes! In fact, we specialize in 2nd and 3rd chance auto credit applications and we have approved more applications than most of our competitors since we’ve been in business.

HOW CAN I SEE MY CREDIT REPORT?

You can get a free copy of your credit report from Canadian agencies TransUnion and Equifax. There are also paid online resources that can provide you with an electronic copy. Visit the Industry Canada website for more information.

WHAT ARE THE PROS OF DOING BUSINESS WITH LE ROI DE L’AUTO?

There are many reasons why coming to us is a great idea. First, your chances of getting approved are much higher. Second, we offer unbeatable interest rates.

CAN I STILL GET FINANCING IF I HAVEN’T YET BEEN DISCHARGED FROM MY BANKRUPTCY?

Yes, some of our partnering financial institutions offer financing to those who have yet to be discharged from bankruptcy or have recently declared bankruptcy.

ARE YOUR CREDIT APPLICATIONS SECURE?

Yes, we adhere to the highest safety regulations to assure your personal information is secure and confidential.

CAN I RESERVE A CAR I FROM YOUR ONLINE INVENTORY?

Yes, if you find a car that you like from our online inventory, you can contact us to reserve it for a period of 24 hours.

IF MY CAR HAS BEEN REPOSSESSED DUE TO FAILED PAYMENTS CAN I STILL GET A CAR LOAN?

Yes, it is still possible to get a car loan thanks to exclusive understandings with our partnering financial institutions.

CAN I GET FINANCING IF I AM A SEASONAL WORKER?

Yes. As with students, our financial partners can help anyone, no matter their financial situation, get the financing they need.

DO I HAVE TO INFORM YOU OF MY PAST AND PRESENT FINANCIAL SITUATION?

Yes, we need your entire credit history in order to confidentially submit the correct information to our financial institutions to be able to help you.

CAN MY INTEREST RATE BE ADJUSTED IS MY SITUATION IMPROVES?

Yes, in certain cases. This is one of the most important aspects of credit rehabilitation. In fact, we are dedicated to helping you improve your credit and are proud to be able to help. If you are eligible, we will be able to submit an application for a revision of your interest rate during your financing period.

CAN I STILL BUY A CAR FROM LE ROI DE L’AUTO IF I HAVE GOOD CREDIT?

Of course! Even though we specialize in 2nd and 3rd chance credit, we welcome all clients, even those with great credit! What’s best is that we offer competitive finance rates for everyone.

HOW LONG WILL IT TAKE FOR MY NEW CAR TO BE IN MY POSSESSION?

You can get approved in minutes and have your new vehicle in your possession in just a few hours!

CAN I STILL GET FINANCING IF I HAVE NO DECLARED INCOME?

Yes, even if your income is hard to prove or you don’t have any, you can still get financing with one of our alternative financing institutions.

IS THERE A FEE FOR A CREDIT APPLICATION?

DO I HAVE TO COME TO YOU IN ORDER TO APPLY FOR FINANCING OR A CAR LOAN?

No, you can fill out an online application here, or call us at 1 (866) 299-AUTO. You will be pre-approved within two business hours.

WHAT WILL MY INTEREST RATE BE?

There are many factors to consider before determining your exact interest rate like: your credit score, your financial situation, le amount of the loan, and so much more. However, we can guarantee that we will do our best to get you the lowest interest rate possible.

CAN I STILL GET A CAR LOAN IF I AM A STUDENT?

Yes. With the help of our financial partners, we can help you get your vehicle no matter your situation.

CAN I BUY AND FINANCE A CAR IF I’VE ONLY RECENTLY COME TO CANADA?

CAN I TRADE IN MY CURRENT VEHICLE?

We accept all vehicles in exchange for a refund on your financing plan. We will do our best to offer you the highest amount possible for your used vehicle depending on its state.