Get behind the wheel of your new vehicle without delay!

Artificial intelligence allows DDC Credit to offer the best auto finance options in a record time.

Our credit analysts work diligently to secure the best financing offer for you by leveraging competition among multiple financial institutions, whether you have have great or bad credit.

Find your dream car and ideal auto finance solution: a wide range of new and recent vehicles available at our dealership

DDC Credit consolidates the five dealership of the Côté Group

Groupe Côté, a leader in the automotive dealership market in Quebec, offers you an exceptional purchasing experience across its five dealers. Our experienced teams are committed to promptly addressing your needs regarding auto loans and purchasing new and used vehicles, whether your credit profile is excellent or damaged. Who We Are.


Groupe Côté at the forefront of the automotive market and auto financing in Quebec. Our teams of experienced advisors and credit analysts are equipped to promptly address all your needs regarding auto financing and purchasing new and used vehicles.

Groupe Côté brings together five leading Dealerships: Ville-Marie Kia, Concept Kia, Prêt Auto Partez, Prêt Auto Express, and Rive-Nord Chrysler. Each provides a unique range of vehicles and services, ensuring a tailored solution for every customer.

Choosing Groupe Côté means opting for the quality of service that stems from our team’s extensive experience. Our commitment to our clientele is reflected in our personalized approach to meeting the specific expectations of each individual. This is why many customers return to us year after year.

With over 40 years of experience in automotive dealership management, Mr. Serge Côté stands out as an exceptional leader. Known for his kindness towards customers and staff, he manages his businesses like a caring patriarch, fostering a welcoming and warm atmosphere.

Our team is comprised of veterans in the field of car loans. In Quebec during the 1980s, Services Financiers CSM Inc. pioneered the “2e chance au crédit.” Services Financiers CSM Inc. then established “Prêt Auto Express” to be swift and efficient. To this day, several thousand Quebecers facing credit challenges, bankruptcy, or debt have successfully navigated out of difficult situations thanks to the expertise of a team whose daily goal is to assist all those in need of the best possible auto loan for their situation.

With 40 years of team experience and the strength derived from the network and resources of 5 dealerships, DDC Credit offers you an exceptional automotive financing process along with a wide range of new and used vehicles. Our expertise in auto finance, regardless of our client’s credit situation, is exceptional and at the cutting edge of technology. This allows DDC Credit to provide you with an online car loan approval in just a few minutes, along with the attentive services of a professional credit analyst to address all your inquiries.

You are therefore in the right place to obtain the best car loan available in Quebec and be behind the wheel of your new vehicle in less than a day.

apply for an instant car loan now !

Whatever your financial situation, you will get the best car loan possible.

Our credit analysts are pros in fast and difficult financings.

It's simple ! You'll be driving Within 24 hours of applying.

We put several lenders in competition to obtain the best offer.

New arrivals every day! More than 400 new and almost new vehicles are waiting for you.

We've helped thousands of clients rebuild their credit for a better financial future.

Demande ton Prêt Auto
Direct access to 20 financial institutions

Desjardins Auto Loan, CIBC, RBC Royal Bank, BNC National Bank of Canada, BMO Bank of Montreal, TD Canada Trust, Banque Scotia – Scotiabank, Laurentian Bank of Canada, Home Auto Finance, etc.

Accès Crédit - Institution financière
BMO - Institution financière
industrielle alliance - Institution financière
CIBC - Institution financière
Auto Capital Canada - Institution financière
Santander - Institution financière
Iceberg Finance - Institution financière
Scotiabank - Institution financière
CIBC - Institution financière
Lendcare - Institution financière
Axis Auto Finance - Institution financière
Desjardins - Institution financière
Banque TD - Institution financière
Eden Park - Institution financière
Most frequent questions and answers

In March 2024, interest rates for auto loans started at 7.26%, but rates also vary depending on the amount borrowed, the amortization period and the borrower’s credit history.

The credit score ranges from 300 to 900 and is a snapshot of the risk you represent. The higher this risk, the higher the rate and the more severe the repayment conditions.

  1. You must be 18 years old (or a parent’s signature).
  2. You need a stable source of income.
  3. Your credit history and credit score will be analyzed.
  4. The vehicle you buy matters.
  5. Obtaining car insurance is mandatory.

An online loan calculator is a simple and convenient way to calculate monthly car loan payments.

  1. You will need to have a valid driver’s license.
  2. Proof of income to assess your ability to repay the loan.
  3. Vehicle identification number (VIN), make, model, year and purchase price.
  4. Information about your car insurance.
  5. Authorization to access your credit score file.