Question 1

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

Accepted Answer

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

Question 2

Do Canadian dealerships offer zero down car loans for consumer proposal clients?

Accepted Answer

Absolutely. Our certified dealership partners throughout Canada work with people currently making consumer proposal payments and often offer zero down payment options for qualified applicants.

Question 3

How does Cars With Chloe help Canadians get zero down car loans?

Accepted Answer

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

Question 4

What credit score do I need for a zero down car loan in Canada?

Accepted Answer

Our partner dealerships across Canada work with credit scores as low as 400-500 for zero down financing. 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 for zero down financing?

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 on zero down options.

Question 6

Are there really no upfront costs with zero down car loans?

Accepted Answer

Qualified applicants can finance 100% of the vehicle cost with no down payment. However, there may be minimal fees for licensing, registration, or documentation that vary by province.

Question 7

What provinces do you serve for zero down 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 8

Can newcomers to Canada get zero down car loans?

Accepted Answer

Yes, our certified dealership partners work with newcomers to Canada who may not have established credit history yet. They focus on current income, employment stability, and ability to make payments.

Question 9

What makes zero down car loans different from regular car loans?

Accepted Answer

Zero down car loans allow you to finance 100% of the vehicle cost without any upfront payment, making car ownership accessible even if you don't have savings for a down payment.

Question 10

Can I get zero down financing if I've been discharged from bankruptcy?

Accepted Answer

Absolutely. Whether you're currently in bankruptcy or have been discharged, our dealership network specializes in zero down financing options to help you rebuild your credit and get reliable transportation.

Zero Down Car Loans Across Canada

Canadian Zero Down Expertise

Bankruptcy & Consumer Proposal Zero Down Specialists

Fast Canada-Wide Zero Down Connections

Certified Zero Down Dealership Network

Multiple Zero Down Vehicle Options

Credit Rebuilding with Zero Down

Explore zero down car loans by Province

Frequently Asked Questions