Question 1

Can I get a car loan in Canada while in bankruptcy?

Accepted Answer

Yes, our certified dealership partners across Canada specialize in financing for people currently in bankruptcy. Bad credit lenders actually prefer bankruptcy clients because it shows you're taking steps to resolve your debt.

Question 2

Do Canadian dealerships work with active consumer proposal clients?

Accepted Answer

Absolutely. Our certified dealership partners throughout Canada work with people currently making consumer proposal payments. Lenders view consumer proposals favorably as it demonstrates commitment to paying back debts.

Question 3

How does Cars With Chloe help Canadians get car loans?

Accepted Answer

We don't provide loans directly. Instead, we connect you with certified dealerships across Canada that specialize in bad credit financing and have programs specifically for challenged credit situations.

Question 4

What credit score do I need to work with Canadian dealerships?

Accepted Answer

Our partner dealerships across Canada work with credit scores as low as 400-500. They focus on your current income and ability to make payments rather than just your credit score.

Question 5

How quickly can I get connected with dealerships across Canada?

Accepted Answer

We typically connect Canadian applicants with certified dealerships within 24-48 hours. The dealerships then handle the approval process and can often provide same-day decisions.

Question 6

What provinces do you serve for bad credit car loans?

Accepted Answer

We serve all provinces across Canada including Alberta, Ontario, British Columbia, Saskatchewan, Manitoba, New Brunswick, Nova Scotia, Newfoundland and Labrador, and Prince Edward Island.

Question 7

Can I get financing if I'm still making consumer proposal payments?

Accepted Answer

Yes, many of our certified dealership partners across Canada actually prefer clients who are actively making consumer proposal payments because it demonstrates financial responsibility and commitment to debt resolution.

Question 8

Do you work with people who have been discharged from bankruptcy?

Accepted Answer

Absolutely. Whether you're currently in bankruptcy or have been discharged, our dealership network specializes in helping people rebuild their credit and get reliable transportation.

Question 9

What makes Cars With Chloe different from other car loan companies?

Accepted Answer

Unlike traditional lenders, we don't reject applications based on credit scores. Instead, we connect you with certified dealerships that specialize in bad credit situations and understand that past financial challenges don't define your current ability to make payments.

Question 10

Can I get a car loan if I have no credit history at all?

Accepted Answer

Yes, our certified dealership partners work with people who have no credit history, including newcomers to Canada, young adults, and those who have always paid cash. They focus on your current income and stability rather than credit history.

Bad Credit Car Loans Across Canada

Canadian Industry Expertise

Bankruptcy & Consumer Proposal Specialists

Fast Canada-Wide Connections

Certified Dealership Network

Multiple Vehicle Options

Credit Rebuilding Support

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Frequently Asked Questions