Frequently Asked Questions

Everything You Need to Know About Auto Financing

All vehicles from Auto Durocher qualify for the offered financing programs. Over 400 financing programs are available from 18 financial institutions. In only 5% of cases, a small down payment is required for the transaction. But typically, no amount is due at the time of vehicle pick-up. We offer financing plans ranging from 24 to 96 months.

No dealer or dealership offers as many financing plans as we do. Most dealers offer common and generic financing plans. Auto Durocher has established a strong relationship with 18 financial institutions, allowing it to negotiate specific programs for its customers. Many programs are only available at Auto Durocher.

Online: Get pre-approved before visiting us. Just choose the vehicle that interests you and click on it to complete your application. A specialist will analyze your request right away. You can then compare the different financial options available to you.

By phone: If you’re not ready to fill out your online financing application, contact one of our specialists and get answers to all your questions. You can also easily apply over the phone. Don’t hesitate to reach out! Our specialists are here to help you.

Yes, you can put down a $250 deposit, which will reserve the vehicle for you for 48 hours. There’s no need to even come by the dealership. Simply contact us by phone or via chat so that we can collect the deposit on your credit card. We will then email you your receipt.
There are many factors that influence interest rate, including your financial situation, your credit score, the amount of the loan, etc. However, we work hard to get you credit approval and an interest rate that is as low as possible for your file.
As soon as you complete your application, you will receive pre-approval in just 20 minutes during business hours. Don’t forget to include a phone number where we can reach you. Do I need to inform you about my current credit situation and credit history? Yes. By knowing your current and past credit situation, we will be able to submit your application to the financial institution that best fits your criteria.
Yes. By knowing your current and past credit situation, we will be able to submit your application to the financial institution that best fits your criteria.
No. In most cases, no down payment is required. It is possible to get approved for a loan without putting cash down. Our approach helps finance over 95% of our loan applications without cash down—one of the highest percentages in the industry. In addition, through customized plans negotiated with financial institutions, it is possible to finance negative equity on a new financing plan without any cash down.
Yes. It has recently become possible for you to get a loan with our help, even if you have an undischarged bankruptcy.
Yes. Some of our financial institutions are willing to offer you a second chance and grant you a new loan to buy a vehicle.

Yes. We deal with an alternative financing institution where the only requirement is a minimum down payment.

We accept all trade-ins, in any condition no matter how old they are, regardless of whether you still have a loan balance on it. We strive to offer you a reasonable offer at market value. In addition, through customized plans negotiated with financial institutions, it is possible to finance negative equity on a new financing plan without any cash down.
The information in your credit application will be assessed by one of our specialists. This information will be used to submit a formal application for credit to one of our creditors. All of your information is confidential and will be retained according to standards set out by privacy and consumer protection legislation

Yes. Financement Auto Durocher adheres to the highest security and confidentiality standards in the market to protect your personal data. Additionally, our online credit application is entirely secure.

Yes, absolutely! This is one of the most important aspects of our credit repair process. Our goal is to get you the best rate possible. In general, we can apply for a credit review within 12 to 18 months of signing the contract.
No. The application is entirely free.
Yes. It is now possible through exclusive agreements with some of our financial institutions.
If you don’t have established credit, you will probably need a co-signer to qualify for a vehicle loan. The co-signer will sign the credit application for your loan. If you do not make the payments on your loan, they will be responsible for them. In addition, the co-signer’s name will be on the loan contract and the loan will appear on their credit report. This means that the loan will be made out to two names and that both names will appear on the contract.
First chance credit means that creditors view you as a low-risk client and will give you a preferential rate. Second chance credit comes with slightly higher rates and is offered to customers who need to rebuild their credit history. After two years, you can refinance your loan at a better rate or get a better car.
Car loan approval depends on your available income (salary, pension, benefits, dividends, etc.) and your personal situation (mortgage, rent, other loans, etc.). Use this formula to get your debt ratio. You must maintain a debt-to-income ratio that will allow you to live comfortably while you pay off your new car loan. Our credit team can help you calculate this ratio in just a few minutes and with minimal information. Get preapproved in 5 minutes.

Yes and no.

In fact, every time you apply for credit, it's recorded on your file. The number of requests, whether accepted or refused, affects your credit score. However, you have the opportunity to improve your credit score by contracting different loans. An auto loan with installments that match your payment capability can help you rebuild a good credit record.

At Auto Durocher, we are specialists in auto loans. We work with several financial institutions offering auto loans. Thus, you reduce the number of inquiries. With a single application on your record, you have access to all options on the market.

It's important to apply for credit only when you genuinely need it. Accepting a new credit card offered in the mail or in stores to receive a bonus or gift is not a good idea if you don't plan to use the card. They will all be recorded on your file even if you don't use them.

However, for young people and newcomers, it's important to establish a credit record. To do this, getting a credit card issued by a financial institution will help you build your credit. To maintain a good score, you'll need to use it optimally, meaning using it for your purchases and paying it off immediately or paying the full amount by the due date at the latest.

If your credit score was affected in the past, no problem; you can fix it. You can meet with a financial manager to understand your credit behavior and make better decisions. Then, you can take action by using good payment methods and improving your credit record.

In summary, at Auto Durocher, you can enhance your credit score by taking out an auto loan that matches your payment ability and making the payments on the predetermined date.

At Auto Durocher, you can find and leave with a vehicle the same day.

In a few quick and easy steps, you resolve your transportation needs. We have the team and all the services to meet your requirements.

To save time, our financing service determines the amount available for your vehicle purchase.

Then, our team of auto consultants will work with you to find the best fit from over 300 vehicles in our inventory. Before that, you will have discussed your tastes, space and cargo needs, and how you'll use your vehicle. Since all our vehicles are indoors, it's easy to sit in them to get a first impression of the interior space. Then, a test drive is done to confirm your choice. You can test several vehicles to help make the right decision.

Once these steps are complete, all that remains is to finalize the paperwork.
At Auto Durocher, purchasing and taking possession of your new car is quick due to our all-in-one services and extensive inventory of vehicles that are already inspected and ready to go.

In summary, here are the steps:

  • Get your financing in 5 minutes;
  • Determine your needs with one of our consultants;
  • Choose your vehicle from over 300 in inventory;
  • Take a test drive;
  • Finalize the transaction with one of our financing consultants;
  • Take the keys and hit the road.

At Auto Durocher, we offer all services under one roof.
On the same day, or at the latest the next day, you leave with the vehicle of your choice.

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