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Sales: 1-877-378-1228
Some customers want to choose their vehicle first. Others prefer to get their credit approved first. At Centre de Liquidation BD, we adapt our approach to your needs.
Whether it is for work, taking care of your family or handling everyday transportation, it is difficult to go without a vehicle. Regardless of our financial history, we are all looking for a vehicle that meets our needs with a monthly payment that fits our budget.
Not every customer begins their vehicle search the same way. When a credit file is well established, the customer often wants to choose the car, SUV or truck they like first. We then prepare the credit application for that specific vehicle.
When a credit file requires more assistance, starting with the vehicle can make the process unnecessarily complicated. The customer first wants to know what may be approved. Our team then begins by reviewing their situation and exploring the available options before suggesting suitable vehicles.
| You choose your vehicle first | We get your credit approved first |
|---|---|
| You find the vehicle you like. | We begin by reviewing your situation. |
| We then prepare the application for that vehicle. | We prepare your file before presenting it to lenders. |
| The application is based on the vehicle you selected. | The approved parameters help us identify the right vehicles. |
| This process is often straightforward with well-established credit. | This process is useful when the file requires additional assistance. |
Neither approach is better than the other. The right method is the one that fits your situation. That is why Centre de Liquidation BD does not handle every application the same way.
These terms describe different financing profiles. They do not define a person and never replace the assessment performed by the lender.
| Type of credit | Simple explanation |
|---|---|
| 1st chance | The credit file is generally well established, and the process can begin with choosing a vehicle. |
| 2nd chance | The credit file has faced certain challenges and requires a more personalized approach. |
| 3rd chance | The situation is more complex and may require alternative credit options or in-house financing. |
A job loss, separation, consumer proposal, past bankruptcy, variable income or limited credit history can all affect an application. What matters to us is understanding your current situation and choosing the right way to move forward.
To learn more, you can also read our complete guide to second-chance credit financing.
Anyone can fill out a credit application. The difference lies in how the situation is understood, how the application is prepared and how the available options are explored.
With your authorization, our financing department can communicate with financial institutions, provide them with the required information and answer their questions. This communication allows lenders to assess a better-prepared application that accurately reflects your current situation.
Our team does not promise automatic approval. Instead, it puts its experience to work on your application in order to seek realistic financing approval suited to your situation. Final approval, the interest rate, term and conditions are always determined by the lender.
The advertised price is important, but it does not determine the payment on its own. The interest rate, loan term, amount financed, vehicle year and mileage, down payment and trade-in value can all affect the monthly payment.
A less expensive vehicle may sometimes qualify only for a shorter financing term. Another vehicle may fit different financing parameters. This is one reason why it can be useful to understand your approval options before making a final choice.
A lower monthly payment does not automatically mean that the financing costs less overall. A longer term may increase the total amount of interest paid. Our team therefore explains the main terms so you can make an informed decision. You can also review the advice provided by the Financial Consumer Agency of Canada.
Getting your credit approved before choosing your vehicle does not mean you have to accept just any option. With access to nearly 200 used vehicles, our team can look for several models that match your needs, your budget and the financing parameters obtained.
Whether you need an economical car, a family SUV, a truck or a better-equipped vehicle, we want to present you with relevant options. The final decision is always yours.
The expertise of our financing department is just one of the many things that set Centre de Liquidation BD apart. Our inventory, service and support during delivery are also part of the experience.
You first learn about the available options and parameters that can help guide your vehicle selection.
1st chance credit generally applies to a well-established credit history. 2nd and 3rd chance credit apply to files that require more in-depth analysis or different credit options.
Not necessarily. When your application requires additional assistance, starting with the financing application can help you identify suitable vehicles afterward.
No. Our team prepares and presents your application, but final approval and financing conditions are determined by the lender.
Every situation is different. Our financing department can review your application and the options that may be available based on lenders’ criteria.
No. The interest rate, loan term, vehicle year, mileage, down payment and lender conditions can also affect the payment.
Yes. The net value of your trade-in can be taken into account when structuring the transaction and financing.
Centre de Liquidation BD provides access to nearly 200 used vehicles, offering a variety of choices based on your needs and the financing parameters obtained.
Yes. The information required for the assessment is handled confidentially and shared with your authorization.
Yes. You can begin your application online, and our team will contact you to continue the process.
Yes. Our team serves customers from Granby, the Montérégie region, the Eastern Townships and the South Shore.
Centre de Liquidation BD is located at 1237 Principale Street in Granby, Quebec.
All credit applications are subject to lender approval. The interest rate, term, monthly payment, down payment and other conditions vary depending on the applicant’s credit profile, the vehicle and applicable criteria. Warranties are available on certain vehicles and are subject to their respective terms and conditions. Inventory may vary.
