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FAQ

Who is Access Credit Leasing (A.C.L.)?

  • We are a financing company that offers 2nd and 3rd chance credit to allow you to lease an on-road or recreational vehicle.

What types of vehicles are eligible for the program?

  • Cars, trucks and some recreational vehicles. We finance motorcycles, ATVS, quads and snowmobiles.

Am I eligible if I file for bankruptcy or have an unreleased consumer proposal?

  • To discover all those eligible for the program, view the following pod.

Is a cash outlay required for each financing application?

  • A disbursement is only required if the amount requested exceeds $12,500 or the capacity of the applicant to pay as established by Access Credit Leasing.

What is the maximum financing available under the program?

  • The allowable maximum is $12,500 plus taxes. For example, if you want to finance a $14,500 car, you will need to disburse $2,000 plus taxes in cash.

What vehicles are eligible for the program?

  • Automobiles that are 9 years old or less with less than 180,000 kilometres are eligible for our program.

What is the maximum term for the financing?

  • The maximum term is 60 months.

What is the minimum employment time to be eligible?

  • There is none; however, the client must be able to prove his revenues (the minimum revenue must be $15,000).

What is the Accès-léré Program and what are its advantages?

  • The quickest and most efficient may to have your client preapproved.

Do I have to install a GPS type tracking system on my vehicle?

  • Access Credit Leasing never requires installation of a tracking system.

What areas do you service?

  • We’re present throughout Eastern Canada (Quebec, Ontario and the Maritimes)

What are the interest rates?

  • We offer 4 interest rates. Our credit analysis team will examine your client’s file to identify the proper rate.

Will my financing at A.C.L. affect my credit score?

  • We report your payment habits to Equifax once a month. Consequently, if you make your payments on time as per the lease, you will be able to increase your credit score for the future.

Can I change the frequency of my payments?

  • Payments must be made on a weekly basis; however, if you make your first 10 payments on time, you can contact your Access Credit Leasing agent to change your payment terms to bi-monthly for the remainder of your contract.

Can I change the frequency of my payments?

  • Payments must be made on a weekly basis; however, if you make your first 10 payments on time, you can contact your Access Credit Leasing agent to change your payment terms to bi-monthly for the remainder of your contract.

Can I pay the balance of my loan before the end of my lease?

  • You can pay off your loan in its entirety at any time. To do so, you must contact your agent who will confirm the outstanding balance and the procedure to follow.

How can I obtain a detailed statement of disbursements for one of my transactions?

  • You will have an online client access through the AccesCredit.ca website. You can obtain the statement of disbursements in the Documents / Generate disbursement confirmation section.

If I give A.C.L. my vehicle, am I responsible for the balance of my contract?

  • Yes. You remain responsible for your entire contract.