Mon Financement Auto supports Joliette and Lanaudière residents with specialty auto financing applications. Our team handles files every day that traditional banks turn down: discharged bankruptcies, ongoing consumer proposals, first-time credit, and uneven payment histories. Based in Notre-Dame-des-Prairies, ten minutes from downtown Joliette, we deliver a local service built around the realities of the region.
Living in Joliette or the surrounding towns -- Saint-Charles-Borromée, Saint-Paul, Crabtree, Saint-Thomas -- comes with a distinctly local reality: limited public transit toward Montreal, driving Route 131 or Highway 31 every day, and a specialty financing market that often favours spotless files. Mon Financement Auto exists to fill that gap.
Our team knows the region: the major employers (Bridgestone, Industries Lassonde, Centre hospitalier régional de Lanaudière), the seasonality of farming income, the realities of self-employed workers. Each application is matched to the client's real financial situation, not the other way around.
Monday to Friday, 9 a.m. to 9 p.m., our team is available. That's a real advantage for day-shift workers who can't step away in the afternoon. You can reach us after your work day in Joliette or even Repentigny.
Mon Financement Auto is a multi-brand platform. Our main dealership partner, Joliette Mitsubishi, gives us access to a varied new and used inventory, complemented by a network of specialty lenders and multi-brand vehicle suppliers that broadens your choices well beyond a single banner.
No judgment. Every file is reviewed discreetly. Our advisors sign confidentiality agreements and your information stays strictly between you and the team assigned to your case.
Our process is built to be fast and transparent. Here are the typical steps of an auto financing application with Mon Financement Auto.
Fill out our secure online form. No impact on your credit score at this stage. You receive an instant confirmation.
A dedicated advisor reaches out to clarify your file and identify the lender best suited to your profile among our partner network.
Once pre-approved, you choose your vehicle from our multi-brand inventory. You know your monthly budget before you shop, never the other way around.
Sign the documents, get the keys. For Joliette-area clients, delivery happens at our Notre-Dame-des-Prairies location, just minutes from where you live.
Our inventory network covers the brands most wanted by Lanaudière families and tradespeople: Mitsubishi, Hyundai, Toyota, Honda, Kia, Ford, Chevrolet, Nissan, Mazda and several others. Compact sedans for daily commutes, SUVs for families, pickup trucks for trades -- the range is broad.
Inventory rotates regularly. Reach out for live availability based on your financing budget.
Most applications get a pre-approval within 24 business hours. The simplest files can be pre-approved within a few hours.
No. The full application can be done online and over the phone. You only travel for the final signature and to pick up the vehicle -- about 10 minutes from downtown Joliette.
A discharged bankruptcy isn't an automatic deal-breaker. Several of our partner lenders accept post-bankruptcy files, especially when the discharge dates back more than 12 months and you've documented consistent payments since.
Yes, in many cases. Ongoing consumer proposals are handled case by case. Trustee approval and certain conditions apply. Our advisor guides you through the steps.
We work with lenders who finance vehicles starting around $5,000. The maximum depends on your repayment capacity and the vehicle you choose.
Learn more about our specialty financing solutions or apply now.
