Car financing for every credit story
Car financing with someone on your side.
Bad credit, no credit, new to Canada or starting over. A finance specialist at Morrey Nissan of Coquitlam works your file with you, explains every number in plain words, and goes to bat for you with our lenders.
- Free, no obligation
- A real person reviews every file
Whatever brought you here, start here.
Pick the one that sounds most like you, or skip ahead and apply. Either way, a person reads it.
- Bad creditMissed payments or collections in the past? Let’s talk about now.
- No credit yetFirst car, no history. Everyone starts somewhere.
- New to CanadaNew here, with no Canadian credit history yet.
- Bankruptcy or proposalActive or discharged, there may still be options.
- Self-employedContract, gig or business income. We’ll work with your paperwork.
- First NationsFinancing help that respects your status and your community.
How it works
Three steps, with a person beside you for each one.
- 01
Tell us your story
A short, private form that doesn’t commit you to anything.
- 02
A real person works your file
A finance specialist at Morrey Nissan of Coquitlam reviews it, then calls or texts to talk through your options.
- 03
Choose with a clear plan
You see the payment, the term and the total cost in plain words before you sign anything.
We sit on your side of the table.
Most people who come to us have already heard no somewhere else. Here you won’t be judged, rushed or talked into something you can’t afford.
- Plain answersEvery number explained, in words that make sense.
- No pressureTake the time you need. Ask anything.
- Private and respectfulYour story stays private.
- Honest about todayIf now isn’t the right time, we’ll tell you what would help, and stay in touch.
What a car makes possible
- The morning school run.
- A fresh start, close to home.
- Back on track, together.
Every Mr. Auto Finance application goes to three people on the finance team at Morrey Nissan of Coquitlam. They read it themselves, then call or text to walk you through your options in plain words.
Straight answers to the first questions.
Can I get car financing with bad credit?
Often, yes. Lenders look at more than a score: your income, your job, your budget and your recent history. Every file is different, so the quickest way to know is a short application. Then we’ll walk you through your real options.
I’m new to Canada with no credit history. Can you help?
Yes, we work with newcomers. Some lenders have programs for people building Canadian credit, based on things like your permit or residence documents and proof of income. We’ll tell you what applies to you.
Will applying affect my credit?
The form is free and doesn’t commit you to buy anything. When you submit it, you’re giving permission for a credit check so lenders can review your application. If you have questions about that, ask us first.
Do I need a down payment?
Not always. It depends on your situation and the lender. A down payment or a trade-in can lower your payment and open up more options, and we’ll show you both ways.
I’m self-employed. What will I need?
Usually your last two years of tax returns or Notices of Assessment, and recent bank statements. If your paperwork isn’t perfect, start anyway and we’ll tell you what’s missing.
I’ve been through a bankruptcy or consumer proposal. Can I still apply?
Yes. Whether it’s active or discharged, there may be options. Lenders will want to know where you are in the process, and we’ll help you gather what they need.
Who will I be dealing with?
Windy, Maryam or Mike on the finance team at Morrey Nissan of Coquitlam, on Lougheed Highway in Port Coquitlam. Mr. Auto Finance is part of Morrey Auto Group, a family-owned group serving the Lower Mainland.
Do I have to live near Coquitlam?
No. Most of our customers are local, but we also help people from further away. Apply online and we’ll talk through how it can work for you.
Let’s look at your options together.
Free to apply. No obligation. A real person gets back to you.