Car financing for newcomers and Uber drivers in Montreal
Did you just arrive in Canada, or do you drive for Uber or a taxi in Montreal? Those are two of our specialties. Auto Finance 123, on Pie-IX Boulevard in the Saint-Michel area, helps you buy a vehicle even if you do not have a credit history here yet. The pre-approval request is free and comes with no obligation. Financing subject to lender approval.
New to the country, no Canadian credit history
The credit you had in your home country usually does not follow you to Canada. Many newcomers therefore end up with an empty file, even with a good job. We know this situation: we look at your current income, job and budget to present a clear request to the lender. A first car loan paid on time can also become the start of your credit history in Canada.
Uber and taxi drivers
If you drive with Uber or a taxi, your car is your work tool and you cannot afford to be without a vehicle. We look with you for a reliable, comfortable and economical car for long hours on the road, and we submit your request taking your self-employed income into account. Check the platform’s or your taxi permit’s own vehicle requirements before making your choice.
How your request works
- Credit analysis: fill in the quick form, about 20 seconds, or call 514-324-3773.
- A team member calls you back and tells you which documents to provide for your status and your work.
- Vehicle search: an economical sedan, a hatchback or a compact SUV, depending on your budget and use.
- Delivery: once the lender approves the financing, you leave with a vehicle inspected by a SAAQ mandatary.
Tips for your first car in Quebec
- You will need a valid Quebec driver’s licence and insurance before you hit the road.
- Winter tires are mandatory in Quebec from December 1 to March 15.
- Compare the weekly payment, but also include insurance and fuel in your budget.
- A less expensive vehicle is often easier to get approved for a first loan in Canada.
Vehicles to get started
The weekly payment shown on our listings is an estimate calculated at 9.99% over 72 months, taxes extra. Here are a few recent vehicles under $20,000, a range with many sedans and compact SUVs that drivers like.
- 2021 Hyundai Elantra — $15,995 · 87,310 km · Automatic · FWD · Gasoline · Stock 189263
- 2016 Honda HR-V #102128 — $13,498 · 127,870 km · Automatic · AWD · Gasoline · Stock 102128
- 2018 Hyundai Kona #109389 — $10,998 · 157,640 km · Automatic · FWD · Gasoline · Stock 109389
- 2018 Mazda Mazda3 — $11,498 · 157,640 km · Automatic · FWD · Gasoline · Stock 188850
- 2019 Hyundai Santa Fe — $17,998 · 97,080 km · Automatic · AWD · Gasoline · Stock 093014
- 2014 Toyota RAV4 — $12,495 · 139,745 km · Automatic · AWD · Gasoline · Stock 177267
Under $15,000 · Under $20,000 · Inventory
Near Saint-Léonard, on Pie-IX Boulevard
Our dealership is at 9380 Pie-IX Blvd #101, Montreal, QC H1Z 4E9, Canada, reached by Pie-IX Boulevard and Highway 40 (Metropolitan). Many newcomers and drivers from Saint-Michel, Saint-Léonard, Montréal-Nord, Villeray, Rosemont, Anjou and Laval come to see us. The website is available in French and English.
Directions to Auto Finance 123 (Google Maps)
Frequently asked questions
Can I buy a car with no credit history in Canada?
Yes, it is one of our specialties. We submit your request taking your current situation into account. Financing subject to lender approval.
Which documents do I need as a newcomer?
It depends on your status and your job. A team member will tell you which documents to bring after your request.
I am a self-employed Uber driver. Is that a problem?
No. We regularly work with Uber and taxi drivers. A team member tells you how to show your income. Financing subject to lender approval.
Does the pre-approval request commit me?
No. It is free and comes with no obligation, and the form takes about 20 seconds.
Get my free pre-approval · Call 514-324-3773
Financing application · Bad credit financing · Payment calculator · Under $15,000 · Contact us