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A bankruptcy or proposal doesn’t have to stop you.

Whether it is active or discharged, there may be options. A finance specialist at Morrey Nissan of Coquitlam will help you understand where you stand and gather what lenders need, without judgment.

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

What we look at

Where you are in the process matters.

Lenders will want to know where you are in the process, whether it is active or discharged. That shapes which options may be open to you. We’ll help you gather the right paperwork and explain what it means for your file.

  • If it is activeTell us where you are. Some paperwork from your trustee may be part of the file.
  • If it is dischargedWe’ll look at today: your income, your job and your budget.
  • No judgmentLife happens. Here you won’t be judged, rushed or talked into something you can’t afford.

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. Let us know if it is active or discharged. There’s no commitment.

  2. 02

    A real person works your file

    A finance specialist reviews it, then calls or texts. They’ll explain what lenders usually ask for in your situation.

  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.
  • Where you are in the processWhether it is active or discharged, and the dates if you have them.
  • Trustee paperworkPapers from your trustee, if you have them. Not sure what you have? Start anyway.
  • ReferencesNames and contact details for people who know you.

Questions

Straight answers about starting over.

Can I get a car loan during a bankruptcy or consumer proposal?

There may be options. Lenders will want to know where you are in the process, and some may need paperwork from your trustee. Your specialist will tell you what to expect.

What if my bankruptcy or proposal is already discharged?

There may be options. Lenders look at where things stand today, including your income, your job and your budget. We’ll help you gather what they need.

Do I need to talk to my trustee first?

It depends on your situation. Your specialist will tell you what lenders usually ask for and whether trustee paperwork is part of it. For questions about your own case, your trustee is the right person to ask.

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.

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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Here are the other ways we can help.

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