One rough chapter.
Not the whole story.

A low score, a past bankruptcy, a collection on file — none of these are dealbreakers. Lane coaches Canadians through credit-rebuild auto financing with lenders who read the full picture, not just the number. Free, judgment-free, and built to put your credit back on the rise.

For Canadians starting fresh — not starting over.

Life happens. Job loss, medical bills, a relationship that took down your credit, a discharged bankruptcy. None of that defines who you are now. The right lender just needs the right story.

• Scores in the 500s, low 600s, or no score at all
• Discharged bankruptcy (6+ months)
• Consumer proposal in good standing or completed
• Past collections, repos, or charge-offs
• Recent job change or self-employment
• Co-signer welcome but rarely required

The honest picture, in plain English.

• ✓
  Rate is higher — for now

  Rebuild loans cost more up front. The goal isn't the cheapest loan today — it's a refinance in 18–24 months at a much better rate.

• ✓
  Shorter term, smaller car

  We push 48–60 months on a sensible used car. Long terms on expensive cars is how people get stuck.

• ✓
  On-time payments are everything

  Set up auto-pay the day the loan funds. One missed payment can undo months of progress.

• ✓
  GAP insurance matters here

  Higher rates mean longer underwater periods. GAP protects you if the car is totaled.

• ✓
  Don't add a warranty you don't need

  Rebuild lenders sometimes bundle pricey add-ons. We tell you which to drop.

• ✓
  Refinance at month 18–24

  If you've paid on time, your score is up and you qualify for a real rate. We coach you through the refi too.

Three steps. No pressure.

1. 01

   Soft pre-qual

   60 seconds, no credit impact. We learn enough to know which lane fits.

2. 02

   Coach walks you through it

   Real talk on what to expect, what to push back on, what to ignore at the dealer.

3. 03

   Approved, on the road

   We connect you with a lender who specializes in rebuilds — and stick with you for the refi.

Frequently asked.

Can I get a car loan with a low credit score in Canada?

Yes. There's no universal minimum score. Lenders we work with finance scores in the 500s, thin files, past collections, and consumer proposals or discharged bankruptcies. Rate and term depend on the full picture — not just the number.

I have a past bankruptcy or consumer proposal. Can I still get approved?

Yes — provided the bankruptcy is discharged (typically 6+ months) or the consumer proposal is in good standing or completed. These programs exist specifically for people rebuilding.

Will applying hurt my credit score?

Our 60-second pre-qual is a soft check — no impact. A hard pull only happens when you formally submit to a lender after seeing your matches.

Do I need a big down payment?

Not always. Some rebuild programs go zero down. Putting $1,000–$2,500 down typically unlocks a noticeably better rate and shorter term.

How fast can a car loan rebuild my credit?

Most clients see meaningful score improvement within 6–12 months of on-time payments. After 24 months, you're often eligible to refinance into a better rate.

What if I get declined?

We tell you why — straight — and what would change it. Sometimes it's a small fix (1–2 paystubs, a co-signer, $500 more down). Sometimes it's a 3-month plan. Either way, you get the truth.