Service Bilingue / Bilingual Service

Car Loans in Montreal

Approbation le Jour Même / Fast Decisions

Ville-Marie, Plateau, Laval, Longueuil & Greater Montreal. Bad credit OK. Bilingual service. SAAQ expertise.

256-bit SSL Encryption
Your Information is Safe
One Application, Reviewed by Multiple Lenders
All Montreal Neighborhoods
Bad Credit Accepted
Metro Accessible

Car Loans Across Montreal

We serve customers in every Montreal neighborhood and Greater Montreal

Ville-Marie (Downtown)

Old Montreal, Quartier des Spectacles, business district. Perfect for young professionals and condo dwellers. Our financing works with your downtown lifestyle and Metro accessibility.

Old MontrealDowntown

Plateau Mont-Royal

Trendy, artistic neighborhood with cafes and boutiques. Perfect for young professionals and artists. We understand creative budgets and offer flexible financing for all credit situations.

TrendyArtistic

Laval

Large suburb north of Montreal with excellent schools and shopping. Great for families. We finance vehicles perfect for Laval living and easy bridge access to Montreal.

FamiliesSuburban

Longueuil (South Shore)

Affordable, working-class community across Jacques Cartier Bridge. We help South Shore residents get approved with flexible programs for all credit situations.

AffordableSouth Shore

West Island

Anglophone, affluent communities like Pointe-Claire and Beaconsfield. We help West Island families get into reliable vehicles for commuting and family life.

AnglophoneAffluent

Greater Montreal

Brossard, Saint-Laurent, Terrebonne, Repentigny. Growing communities around Montreal. We serve all of Greater Montreal with the same fast approval and great rates.

BrossardSaint-Laurent

Why Montreal Residents Choose ConsumerAuto

Bilingual Service / Service Bilingue

We offer full service in both French and English. Whether you prefer "financement auto" or "car loans," we speak your language and understand Montreal's unique market.

Metro Accessible

Easily accessible via Metro and STM. Can't make it in person? No problem - complete your entire application online from anywhere in Greater Montreal.

SAAQ Insurance Expertise

We understand Quebec's unique SAAQ public insurance system. Our team knows how to navigate Quebec's insurance requirements and get you approved quickly.

Montreal-Specific Benefits

🇫🇷

Bilingual Service (French/English)

Montreal is unique in Canada. We offer full bilingual service so you can apply in French or English. Our team understands Quebec's culture and will respect your language preference throughout the process.

🚇

Bridge Commuter Solutions

Tired of Jacques Cartier or Champlain Bridge traffic? We finance reliable, fuel-efficient vehicles perfect for Montreal commutes. Whether you're crossing from Laval, South Shore, or West Island, we've got you covered.

❄️

Winter-Ready Vehicles

Montreal winters mean snow, ice, and potholes. We'll help you finance a vehicle with winter tire packages and features to handle Quebec's harsh winters. Don't get stuck on Decarie Expressway in a snowstorm!

🌍

New Immigrant Programs

Montreal welcomes many new immigrants. We have special programs for new Canadians with no Canadian credit history. We'll help you build credit while getting the car you need for work and family.

Find Car Loans Near You

We serve customers across Montreal and Greater Montreal

What Montreal Customers Say

Ville-Marie

"Living downtown, I didn't think I needed a car. But ConsumerAuto helped me get a great deal on a compact. Now I can visit family in Laval and explore Quebec on weekends!"

- Sophie L., Old Montreal

Longueuil

"As a South Shore resident, crossing the bridge every day was stressful. ConsumerAuto got me into a reliable car with bad credit. The bilingual service made everything easy!"

- Marc D., South Shore

Laval

"As a new immigrant with no Canadian credit, I thought getting a car was impossible. ConsumerAuto helped me build credit while getting the vehicle I need for my family. Merci!"

- Fatima M., Laval

How to Get Car Loans in Montreal

1

Apply Online or Call

Complete our 2-minute application from anywhere in Montreal - Downtown, Plateau, Laval, or South Shore. Or call us toll-free at 1-888-660-8663 to speak with a bilingual Montreal specialist.

2

Get Fast Decisions

Receive your approval decision within minutes. We work with Montreal-area dealerships and understand Quebec's SAAQ system, so we can match you with the best financing options.

3

Choose Your Vehicle

Browse our inventory or visit a partner dealership in Montreal. We work with dealers across the city - from Downtown to Laval to South Shore - to ensure you get the right vehicle.

4

Drive in Montreal Today

Complete the paperwork and drive away in your new car. Whether you're navigating downtown, crossing bridges, or exploring Quebec, you'll be ready to go!

Calculate Your Montreal Car Loan Payment

Calculez votre paiement mensuel estimé

Bad Credit Payment Calculator

See exactly what you can afford based on your credit situation

Estimates shown for educational purposes only. Final approvals and rates are determined by the lender.

$15,000
$5,000$40,000
$2,000
$0$10,000
550
300 (Poor)650 (Fair)
60 months
24 months84 months

Your Estimated Monthly Payment

$309

per month for 60 months

Interest Rate

14.99%

APR

Loan Amount

$13,000

Principal

Total Interest

$5,552

Over 60 months

Total Cost

$18,552

All payments

Credit Score Improvement

After 5 years of on-time payments, your credit score could improve by 120+ points, reaching approximately 670!

Get Pre-Approved Now

Important: Rates and terms are estimates for educational purposes only. Actual rates may vary based on your complete financial profile and lender underwriting.

Example Scenario 1

500 Credit Score

$15,000 vehicle, $2,000 down, 60 months
→ $344/month

Example Scenario 2

550 Credit Score

$20,000 vehicle, $3,000 down, 60 months
→ $422/month

Example Scenario 3

600 Credit Score

$26,500 vehicle, $4,000 down, 60 months
→ $535/month

Example Scenario 4

525 Credit Score

$20,000 vehicle, $0 down, 60 months
→ $486/month

Montreal Car Loans FAQ

Can I apply in French? / Puis-je postuler en français?

Absolutely! We offer full bilingual service in French and English. You can complete your entire application, speak with our team, and receive all documentation in your preferred language. We respect Montreal's unique bilingual culture.

How does SAAQ insurance affect my car loan?

Quebec's SAAQ public insurance system is unique in Canada. We understand how it works and will help you navigate the insurance requirements. SAAQ covers bodily injury, while you'll need private insurance for vehicle damage. We can guide you through the entire process.

Do you serve Greater Montreal (Laval, South Shore, West Island)?

Yes! We serve all of Greater Montreal including Laval, Longueuil, Brossard, West Island, North Shore, and surrounding areas. The same easy online application process works for all Greater Montreal residents.

I'm a new immigrant with no Canadian credit. Can I get approved?

Absolutely! Montreal welcomes many new immigrants, and we have special programs for new Canadians. We understand you may not have Canadian credit history yet. We'll work with your current employment and income to get you approved and help you start building Canadian credit.

Do you finance winter-ready vehicles for Quebec winters?

Yes! Montreal winters mean snow, ice, and potholes. We can include winter tire packages in your financing (required by law in Quebec from December 1 to March 15). We'll help you get a vehicle that can handle Quebec's harsh winters and pothole-filled roads!

Ready to Get Your Car Loan in Montreal?

Serving all Montreal neighborhoods: Ville-Marie, Plateau, Laval, South Shore & Greater Montreal. Most applicants receive a decision the same day. / Approbation le jour même garantie!