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

A late payment, a maxed-out credit card, a thin file: every credit history has its own story. At O.B.K. Automobiles, on Curé-Labelle Boulevard in Laval, we offer 1st, 2nd and 3rd chance credit financing. Flexible credit options are available, including second chance financing. Financing subject to lender approval.

Three situations, one way to apply

1st chance means a credit file in good shape. 2nd chance often applies to people who have had late payments, high debt or little credit history. 3rd chance covers files that have been through more serious difficulties. In all three cases you apply the same way, and the decision belongs to the lender.

What matters is starting from an accurate picture of where you stand today: your job, your income and the amount you can put toward a vehicle each month.

What the online application asks for

The form is filled in step by step, at your own pace, on a computer or a phone. Have this information ready before you start:

• The type of vehicle you are interested in and the monthly budget you have in mind.
• Your date of birth: you must be 19 or older.
• Your employment status, your employer’s name, your monthly income and how long you have held that job.
• A yes-or-no question about a past bankruptcy.
• Your address, whether you rent or own, and your contact details.

From application to the road, step by step

1. You fill in the online application, or call 450-682-2999 to complete it with a team member.
2. A team member contacts you to go over your file and fine-tune your budget.
3. Your application is submitted for approval, and the lender lets you know its decision.
4. You pick a vehicle from the inventory that fits your budget and take it for a test drive.
5. You read the contract, ask every question you have, and sign only when everything is clear.

Getting your file ready

• Set a realistic monthly budget that leaves room for insurance, fuel and winter tires.
• Have a vehicle to trade? Get it valued: its value is applied to the purchase and lowers the amount to finance.
• Give accurate information about your job and income; a complete file is easier to review.
• Read every page of the contract before signing, and ask for an explanation of anything that is unclear.

Customers from Laval, the North Shore and Montreal

Our showroom is at 2450 boul. du Curé-Labelle, Laval, QC H7T 1R1, Canada, on Curé-Labelle Boulevard, right near Highways 15 and 440. Whether you live in Chomedey, Laval-des-Rapides, Sainte-Dorothée, Fabreville, Vimont or Duvernay, the drive is short; from the North Shore or Montreal, Highway 15 brings you to the area. We are open Monday to Thursday 9 a.m. to 8 p.m., Friday 9 a.m. to 7 p.m. and Saturday 10 a.m. to 4 p.m.; closed on Sunday. Our team serves you in French and English.

Google Maps directions to O.B.K. Automobiles

A few vehicles from the inventory

• 2018 Mercedes-Benz GLE-Class — $24,990 · 134,183 km · Automatic · AWD · Gasoline · Stock 8478
• 2020 Mercedes-Benz GLB-Class — $23,990 · 95,474 km · Automatic · AWD · Gasoline · Stock 8469
• 2023 Volkswagen Tiguan — $20,590 · 110,801 km · Automatic · AWD · Gasoline · Stock 8558
• 2022 BMW X1 — $24,490 · 89,997 km · Automatic · AWD · Gasoline · Stock 8588
• 2020 BMW X2 — $17,990 · 138,960 km · Automatic · AWD · Gasoline · Stock 8589
• 2018 Chrysler Pacifica Hybrid — $21,990 · 113,400 km · Automatic · FWD · Hybrid · Stock 8580

Under $15,000 · Under $20,000 · Inventory

Frequently asked questions

I live on the North Shore: can I apply remotely?

Yes, the application is filled in online. A team member then contacts you, and you come to Laval to see and drive the vehicle. Financing subject to lender approval.

What is second chance financing?

It is financing designed for people whose credit file has been through difficulties. Flexible credit options are available, including second chance financing. Financing subject to lender approval.

Can I pick out a vehicle before I get an answer?

Yes, browse the inventory and tell us which vehicles interest you. The final choice depends on your budget and the lender’s decision; a team member guides you.

Can my current vehicle be part of the deal?

Yes, we take trade-ins. Send the year, make, model, mileage and VIN through the valuation form; the value agreed on is applied to your purchase.

Start my financing application · Call 450-682-2999 or write to us

Financing application · Newcomers to Canada · Sell or trade your vehicle · Under $15,000 · Contact us