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Bad credit isn’t the whole story.

Missed payments, collections or a low score can make a car loan feel out of reach. A finance specialist at Morrey Nissan of Coquitlam looks at all of you, not only the number, and works your file with you.

Apply now How it works for you
  • Free, no obligation
  • A real person reviews every file

What we look at

More than a score.

Lenders look at your income, your job, your budget and your recent history. Every file is different, so the quickest way to know where you stand is a short application. Then we walk you through your real options.

  • Where you are nowWhat has changed since the hard times matters. We’ll ask about it, and we’ll listen.
  • A payment that fitsWe look for a payment that works for your budget, not only one that gets a yes.
  • Honest about todayIf now isn’t the right time, we’ll tell you what would help, and stay in touch.

How it works for you

Three steps, with a person beside you for each one.

  1. 01

    Tell us where you are

    A short, private form that doesn’t commit you to anything.

  2. 02

    A real person reads your file

    A finance specialist reviews it, then calls or texts to talk through your options. Your past is a conversation here, not a verdict.

  3. 03

    Choose with a clear plan

    You see the payment, the term and the total cost in plain words before you sign anything.

What to bring

What lenders usually ask for.

Lenders usually ask for the items below. Don’t have everything yet? Apply anyway. Your specialist will tell you what is missing and help you gather it.

Lenders will also need your Social Insurance Number (SIN) before they can approve a loan.

  • Photo IDA driver’s licence or other government-issued photo ID.
  • Proof of incomeRecent pay stubs, or another document that shows what you earn.
  • Proof of addressA utility bill, bank statement or lease with your name on it.
  • ReferencesNames and contact details for people who know you.
  • A short note, if you likeWhat happened, and what has changed since. It helps your specialist speak up for you.

Questions

Straight answers about bad credit.

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.

Will past collections or missed payments rule me out?

They don’t have to. Lenders look at your income, your job, your budget and your recent history. Tell us what happened and what has changed, and we’ll be honest about the options.

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.

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.

What if there is no option right now?

Then we’ll say so plainly. We’ll tell you what would help, such as time, a steadier income history or a down payment, and we’ll stay in touch.

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.

Let’s look at your options together.

Free to apply. No obligation. A real person gets back to you.

Apply now

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Not quite your story?

Here are the other ways we can help.

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