Second Chance Finance

At Second Chance Finance we offer solutions regardless of your credit situation.

Self Employed? Bad credit? Collections? Bankruptcy? Consumer Proposals? Divorce? Maxed Credit Cards? Missed Payments? Student? No Credit?  

We understand that life happens, and circumstances can affect your credit rating.  We excel in helping people build or rebuild their credit rating.  Our greatest pleasure is to help you get a start fresh on your credit journey while driving a fantastic vehicle that is within budget.  

We have over 1,000 vehicles in stock and can often obtain an approval within 30 minutes.  Let us help reduce your stress by getting you on the road in a vehicle you love.  Contact Terri or Yvonne today by phone, or email.

Contact Terri Sharp personally and start driving today!
call direct: 1-705-797-9669


Contact Yvonne Foster personally and start driving today!
call direct: 1-705-797-4720
Frequently Asked Questions

Can a car loan fix my credit?
Absolutely! Car loans, like home loans are "Installment" loans, and one of the best ways to fix your credit. Paying your car loan on time every month shows good and steady payment history.

How long does it take to hear back from the dealership?
Within 30 minutes in most cases. However, in today's economy the number of people with bruised credit that need a car is on the rise; so it may take up to 24-48 hours.

What types of vehicles does your service offer?
You may qualify for any type of new or used car, but we cannot help with old classic collector cars.

How much does your service cost?
Our service is absolutely free.

What are the interest rates on the auto loan?
Interest rates are always determined by the lender who ultimately finances your auto loan. Rest assured our authorized dealership always works diligently to secure the most competitive rate for your credit profile. 

Is it possible to get a car loan with bruised credit or no credit?
Yes! That's what we do best! I am a special finance expert that works with a variety of sub-prime lenders that specialize in all kinds of credit situations.

Make an Inquiry


400 Chrysler Dodge Jeep Ram

3482 9th Line
Directions Innisfil, ON L9S 3Z9

  • Sales: 1 (877) 427-4045
  • Service: 1 (866) 313-0626
  • Parts: 1 (866) 285-4621


  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 6:00pm
  • Sunday Closed