Skip links

FAQ

Frequently asked questions

  • Simple, fast and confidential approval.
  • Rebuild your credit because all auto loan payments are reported to Equifax.
  • Your transaction will be carried out in an honest and transparent manner.
  • Auto financing: interest rates from 12.99% to 29.99% depending on the borrower’s credit risk.
  • Products financing: 8.99% + administrative fee (effective rate of 17.75%).
  • IF Xpress: interest rates from 12.99% to 22.99% depending on the borrower’s credit risk.
  • Auto financing: up to 72 months.
  • Products financing: up to 72 months.
  • IF Xpress: up to 60 months

* Certain conditions apply.

Employment income, QPP, OAS, SAAQ, CNESST, QPIP, old age pension,
self-employed income, child benefits.

Yes. Auto loan payments are reported to Equifax every month.

You can repay your loan by making monthly or bi-monthly payments.

No. However, a credit analyst may require a small amount of cash in the transaction if they deem it necessary due to your credit history.

We fund all regions of the province of Quebec, with the exception of a few remote regions.

Yes. You must have been self-employed for at least 6 months and we will need your bank statements to confirm your income.

Yes. Your loan payments will be withdrawn from your bank account.

  • Auto financing: $ 30,000 taxes included
  • Product financing: no maximum
  • IF Xpress: $ 5,000

*Certain conditions apply

You must have been employed for at least 3 months for us to consider this income.

All loans are open loans. You can make prepayments anytime, at no additional cost.

You must be a minimum of 18 years old to get a loan.

Yes. We finance extended warranties and insurance products on a voluntary basis.
Please refer to your dealer for more details.

Yes it is possible. If your bankruptcy or proposal is currently pending, your payments with the trustee must be up to date. In addition, if you have a proposal in progress, it must be accepted by the creditors.

Yes it is possible. You must work a minimum of 9 months per year.

SMART FINANCING

Contact Us