1st, 2nd and 3rd chance car financing in Terrebonne

A late payment, a thin credit file or a hard stretch does not take away your right to shop for a car. At Kasano in Terrebonne, we offer flexible credit options, including second-chance financing. Your application is presented to a lender, and financing is subject to the lender’s approval.

What do 1st, 2nd and 3rd chance mean?

These terms describe the state of your credit file, not a promise. 1st chance usually means established credit in good order, 2nd chance a file with late payments, an account in collection or a short history, and 3rd chance a situation that has been harder. Lenders do not offer the same conditions in all three cases: the rate, term and down payment depend on their review of your file.

How to apply

1. Fill in the online financing application on our Financing page. The secure form guides you one question at a time.
2. Our team reviews your application and gets back to you quickly to discuss it and complete the file if needed.
3. The file is presented to a lender. If financing is approved, we go over the vehicle, the payment and the term with you before anything is signed.

Financing subject to lender approval. We cannot announce a rate or a timeline before the lender has reviewed your file.

Put the odds on your side

• Fill in the application with accurate details: an imprecise income or address slows things down.
• Choose a vehicle that matches your real budget. A lower payment weighs less in the lender’s review.
• Think about your current vehicle: its trade-in value can lower the amount to finance.
• If you can make a down payment, say so: it is something the lender considers.
• Have recent proof of income ready in case the lender asks for it.

Vehicles at a reasonable budget

A less expensive vehicle often makes a lighter payment possible, and our inventory includes vehicles under $15,000. The vehicles are inspected and ready to drive, and many listings show an estimated weekly payment to help you compare.

• 2018 Hyundai Santa Fe Sport — $12,499 · 157,700 km · Automatic · AWD · Gasoline · Stock 060980
• 2015 Hyundai Santa Fe Sport — $10,999 · 142,737 km · Automatic · AWD · Gasoline · Stock 242139
• 2016 Chrysler Town & Country — $13,999 · 140,000 km · Automatic · FWD · Gasoline · Stock 284209
• 2017 Kia Sorento — $13,999 · 123,000 km · Automatic · AWD · Gasoline · Stock 325931
• 2017 Hyundai Santa Fe — $11,999 · 153,000 km · Automatic · AWD · Gasoline · Stock 476589
• 2017 Hyundai Santa Fe Sport — $13,999 · 168,105 km · Automatic · AWD · Gasoline · Stock 495392

Under $15,000 · Under $10,000 · Payment calculator

Estimate your payment first

Before you send your application, our calculator gives you an idea of the weekly, bi-weekly or monthly payment based on the price, down payment, trade-in and term. The result is only an estimate: the actual rate depends on your credit file and the lender’s decision.

For residents of Terrebonne and nearby

We welcome customers from Terrebonne, La Plaine and Lachenaie, Mascouche, Laval, Blainville, Sainte-Anne-des-Plaines, Repentigny and Montréal-Nord. You can apply online from home, then come to see the vehicle at 4215 Montée Gagnon, Terrebonne, QC J6Y 1K9, Canada, Monday to Friday from 10 a.m. to 5 p.m. or Saturday from 10 a.m. to noon. A question? Call, text or WhatsApp us at 514-819-9812.

Frequently asked questions

Is second-chance financing guaranteed?

No. We present your file, but the decision belongs to the lender. Financing is always subject to the lender’s approval.

Can you tell me my rate before I apply?

No. The rate depends on your credit file and the lender’s review. The calculator only gives you an estimate.

Does a financing application commit me to buy?

No. Sending the application lets you discuss your situation with our team; you then decide whether to go ahead.

Can I use my current vehicle in the financing?

Yes, you can have it valued with our trade-in form. Its value can lower the amount to finance.

Start my financing application · Call, text or WhatsApp: 514-819-9812

Financing application · Payment calculator · Under $15,000 · Get my car valued · FAQ