Blog
Credit and car financing advice
Clear guides, no jargon, to help you understand credit and make better decisions, written by advisors who handle these files every day.
Financing Car loan interest rates in 2026: what to expect
Your car loan rate does not depend only on the market: here is what really drives it, and how to land the best rate you can, even with imperfect credit.
Read the article
Credit Consumer proposal and car loan: are they compatible?
In a consumer proposal and in need of a vehicle? Yes, a car loan is possible. Here is how second and third chance lenders read your situation.
Read the article
Buying advice Choosing a reliable winter vehicle on a small budget
A Quebec winter does not forgive. Here is what to look for so you can drive safely all winter without draining your account, even on a tight budget.
Read the article
Buying advice First car, first credit: the young driver's guide
No credit history? Your first car loan can become your best tool for building a solid file. Here is how to start on the right foot.
Read the article
Financing Car loan refinancing: when and why to refinance
Has your score climbed over the last 12 or 24 months? Is your payment too heavy? Refinancing could ease your budget. Here is when and how to consider it.
Read the article
Guides The documents to prepare for your car financing application
A well-prepared file means a faster approval. Here is the complete list of documents to gather before you apply for car financing.
Read the article
Credit 7 mistakes that drag your credit score down (and how to avoid them)
Your score is dropping and you do not know why? Here are 7 common mistakes that weigh your credit down, with a concrete fix for each one.
Read the article
Buying advice Buying or leasing a vehicle with fragile credit: which one?
Buy or lease when credit is fragile? We compare both options honestly to help you choose what truly serves your budget and your score.
Read the article
Credit Rebuilding your credit: a concrete 6-step plan
Is your credit score holding you back? Here is a simple, concrete 6-step plan to raise it at your own pace, without getting discouraged.
Read the article
Credit Car loan after a bankruptcy: what is possible in Quebec
Bankruptcy or consumer proposal under way? Financing a vehicle is still possible. Here is how it works, and how a car loan can restart your credit.
Read the article
Financing What you need to know about a car lease buyout
Handing off your lease, buying it out early or taking over someone else's: the steps, the cost calculation and the upside for each party.
Read the article
Guides Buying a car in Quebec: the newcomer's guide
Driver's licence, credit history, financing with or without a down payment: everything a newcomer needs to know to buy a first car in Quebec.
Read the article
Credit What credit score do you need for a car loan?
Banks look for 630 and up, but nothing is lost below that mark: here is how your score is built, how to raise it, and what solutions exist.
Read the article
Insurance The guide to commercial and business auto insurance
Your personal vehicle may already count as commercial if you are self-employed, with insurance, financing and tax advantages attached.
Read the article