We are offering our alternative credit financing services, also called "second chance credit".

Second chance credit has been existence for a long time. Until now this alternate type of credit was needed only by a small number of dealership customers. Nowadays, prices are higher, credit margins are used to their maximum and employment is unstable. For these reasons, it is more difficult to obtain traditional credit. Even the best clients who have no credit history often see their credit requires refused.

You can apply for the second chance credit on line at vincent.gingras@gm440.com. Your application will then be processed without delay in order that you can give yourself a gift: YOUR VEHICLE!

For further information, please do not hesitate to call us at 450 682-3670.

Yours truly,

APPLICATION CRITERIA

1st CHANCE	2nd CHANCE
21 years and older Full time employment for the last year $1,000 minimum deposit or equivalent trade-in Annual salary of more than $21,000 Canadian citizen Valid driver's license Must be a Quebec resident	21 years and older Full time job (permanent) Discharged of all debts and bankruptcy No deposit required (*) Annual household salary of more than $21,000 Canadian citizen Valid driver's license Must be a Quebec resident
Our goal is to finance your vehicle for a probationary period of 2 to 3 years. Once your credit will be reestablished, we will then offer you to refinance your loan at a reduced rate by a renowned financial institution. * After one year, you can obtain a MasterCard credit card and a RRSP loan to reestablish your credit. You may also get a credit margin for furniture or household appliances and a mortgage after two years of discharge. * Certain restrictions may apply