Why BAC?
Over 25 years of saying yes when banks say no
Beaucage Auto Credit is the specialized financing division of Groupe Beaucage, a family-owned automotive network firmly established in the Eastern Townships. Our mission: no one should go without a reliable vehicle because of an imperfect credit file.
25+
years financing what the banks turn down
- AffiliationA division of Groupe Beaucage
- Coverage7 cities served
- CommitmentAn answer within 24 h, with no obligation
Our story
For more than 25 years, we have helped thousands of clients get car financing suited to their reality, including those turned away by traditional institutions. Over the years, we have built an expertise in difficult credit that covers every situation: first purchase, fragile credit, bankruptcy, consumer proposal.
Backed by Groupe Beaucage and its inventory of hundreds of inspected vehicles, we offer a truly turnkey service: financing, vehicle, registration and delivery, all in one place.
Our approach: finance today, rebuild for tomorrow
A loan with us is never just a loan. It is a plan: a comfortable payment, a reasonable term, and every instalment reported to the credit bureaus to bring your score back up. After 12 to 24 months, most of our clients qualify for refinancing at a better rate, and that is exactly the goal.
Our commitments
What sets us apart
Zero judgment
A separation, a job loss, an illness: life sometimes hits hard. Our advisors have seen it all, and their only reflex is to find a solution, not to judge your past.
Total transparency
Rate, term, payment, total cost: everything is clearly explained before you sign anything. No hidden fees, no surprises.
The right vehicle, not the most expensive one
Our job is to put you behind the wheel of a reliable vehicle that fits your budget, and that serves your goal of rebuilding your credit.
A long-term partner
Our relationship does not end at delivery. We follow your file and call you back when refinancing at a better rate becomes possible.
Where to find us
We serve the whole region
From Sherbrooke to Saint-Hyacinthe, our advisors support clients across the Eastern Townships, Montérégie and Centre-du-Québec.
We rebuild your credit, one payment at a time
A well-managed car loan is one of the fastest tools to bring your credit score back up. Every on-time payment is reported to the credit bureaus, month after month.
Every instalment is reported to Equifax and TransUnion.
- Payments adjusted to your real budget
- Refinancing at a better rate possible after 12 to 24 months
The principle
A diagram of the principle, not a projection: your journey depends on your whole file.