• High debt ratio
  • Social welfare
  • Salary insurance
  • Unpaid credit card
  • Unpaid bills
  • Unemployment
  • Delinquent accounts
  • Parental leave
  • No credit history
  • Account in debt
  • Employee paid in tips
  • Full-time student
  • Bankruptcy/ without discharge
  • 1 bankruptcy/ with discharge
  • 2 bankruptcies/ with discharge
  • No driver’s license
  • With family allowance
  • With alimony
  • Residency not yet received
  • Retired
  • Under SAAQ insurance
  • With CSST compensations
  • Self-employed
  • Seasonal worker


“When I was looking to buy my first car, I had to knock at several doors. Some would deny credit, or the rate was too high, with too many conditions. It made me feel depreciated due to my credit history. At ALBI, it was a whole other story. My advisor was understanding, paid attention to my needs and was able to achieve what the others couldn’t. It was a pleasant experience, being treated like any other client without regards to my credit history. I won’t hesitate to do business with ALBI again for my next car purchase. And I strongly recommend paying them a visit.”

– Joële Cyr