Car Loan FAQs at DDC Credit

DemandeCrédit.ca is a subsidiary of Groupe Côté, a group of dealers that has been in business for over 40 years. Our mission has always been to simplify the car financing process for Canadians. Our team of credit analysts has extensive experience in the field of car financing and is committed to providing personalized and transparent service to each client. We focus on listening, integrity and efficiency to support you in the acquisition of your vehicle.

Choosing DDC Credit means choosing:

• Fast prequalification: Get an answer to your online credit application instantly.
• Competitive rates: We negotiate with several lenders simultaneously to get you the best interest rates on the market.
• A simplified process: Apply online in just a few minutes, without stress.
• Personalized customer service: Our analysts are available to answer your questions and guide you throughout the process.
• Everything is done in one day: You get behind the wheel of your new vehicle the same day you visit the dealership.

Yes, DDC Credit is a car broker. We work in partnership with a network of dealers and lenders to offer you financing solutions tailored to your needs as well as a wide selection of new and used vehicles.

Our offices are located at 13655 Rue de la Chapelle suite 200. Mirabel, Quebec, J7J 2C9, Canada.

Do you want to get an auto loan quickly and easily? At DDC Credit, we have simplified the process for you. Discover the steps to follow and our practical tips for applying for an auto loan with peace of mind. To learn more, visit our dedicated page: How it works

You can reach us by phone at +1 (514) 365-5721, by email at demande@demandecredit.ca or via our online contact form.

Our team is available Monday to Saturday to answer your questions.

Opening hours: Monday 9am – 8pm • Tuesday 9am – 8pm • Wednesday 9am – 8pm • Thursday 9am – 8pm • Friday 9am – 6pm • Saturday 9am – 3pm • Sunday closed

Absolutely. The security of your personal information is our priority. Our website uses SSL encryption to protect your data during transmission. In addition, we adhere to strict security standards to ensure the confidentiality of your information.

We only share your information with the financial partners involved in processing your credit application. We do not sell or rent your personal information to third parties. See our privacy policy for more information.

DDC Crédit in collaboration with Prêt Auto Partez is associated with the non-profit organization of the Laurentians Le Book Humanitaire.

Le Book Humanitaire is an organization that connects people of heart with people in need. This partnership, in two parts, has a great impact on the local community.

We first offered to Le Book Humanitaire a new Kia Sedona minivan. This is used by the organization to transport goods as part of its interventions with people who are experiencing difficult and urgent situations.

A matching activity between our employees and the clientele benefiting from the Book Humanitaire was then set up.

At DDC Credit, we are proud to offer flexible and accessible financing solutions. We take various factors into consideration when evaluating your credit application, including your credit history, income, and ability to repay. See our Car Credit for All page to learn more about our eligibility criteria.

Absolutely! We offer financing solutions for the purchase of used vehicles. Discover our used vehicle inventory and find the car of your dreams today.

Yes, you can refinance your current car loan with DDC Credit. Contact us to explore refinancing options and potentially reduce your monthly payments or obtain a more advantageous interest rate.

At DDC Credit, we understand the difficult financial situations that many consumers face. We work with a variety of lenders to offer financing solutions tailored to low credit scores. If this is your case, do not hesitate to apply, our team is here to help you.

DDC credit is proud to be part of Groupe Côté, a leader in the automotive sector in Quebec. This collaboration allows us to offer you unparalleled expertise, a vast inventory of vehicles, and competitive financing solutions.

The average interest rate for a car loan in 2024 varies depending on several factors, including your credit score, the term of the loan, and the type of vehicle being financed. Contact us to get a personalized estimate of your interest rate.

It is possible to get car financing without a down payment, but it may depend on your financial situation and the lender. Our advisors can help you explore the available options.

The maximum repayment term for a car loan varies by lender and vehicle type. In general, it can be up to 84 months.

To apply for a car loan, you will generally need to provide documents such as:

• A valid driver’s license.
• Proof of income.
• Proof of residence.
• Information about the vehicle you wish to finance.

A good credit history, a substantial down payment, and a shorter repayment term can help you get a better interest rate.

In most cases, yes. However, the possibility of repaying early without penalty depends on the terms of your loan agreement. Do not hesitate to contact us for more information.

Financing solutions for electric vehicles are the same as for conventional vehicles.

The response to an online credit prequalification request is instantaneous. Following an initial contact with one of our credit analysts, you can generally obtain a response in less than an hour.

Application fees may apply, depending on the lender and the type of financing. Our advisors will inform you of all applicable fees before you sign your contract.

Yes, an endorser can strengthen your credit application and help you obtain more favorable financing terms.

The monthly payment calculation takes into account the amount borrowed, the interest rate, the loan term, and the down payment (if applicable).

Car insurance is mandatory in Quebec. You will need to provide proof of valid insurance before taking possession of your vehicle.

If you are having difficulty making your repayments, contact us as soon as possible. We will work with you to find a solution that suits your situation.

We finance a wide range of new and recent used vehicles: cars, SUVs, trucks, and even electric golf carts.

In some cases, it is possible to include registration and insurance fees in the car financing. Discuss this with our advisors to explore available options.