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Our Mission

With caring and integrity, we will assist clients to build or re-establish their credit by providing lease financing for quality transportation at fair rates.

Have you been offered an interest rate of 25-35% for a vehicle just because you have bad credit, or no credit at all?


Is your current payment too high?

Do you owe more on it than it’s worth?

Do you feel trapped in your current vehicle loan with no way out?


TCL provides something that was not previously offered before to the Canadian Marketplace.  Led by an ownership group with decades of experience in the auto industry, we have developed an organization you can trust to find solutions to your vehicle needs, even to those with credit challenges.



For those facing bankruptcy or proposal, a loan taken out before filing for proposal or discharge from bankruptcy does nothing to re-establish your credit. The payments made will do nothing to raise your score.

If you make a payment after filing for your bankruptcy or proposal, you have re-affirmed the debt, and must keep your vehicle payment current or face re-possession.

 BUT — if you are filing for bankruptcy or proposal, you can include your current vehicle and get relief from a bad vehicle, bad financing or negative equity.

Until now, people with poor, or little, credit history had options for car loans at 25% – 35% interest rates with a large down payment, and maybe an older vehicle with a likelihood of costly future repairs.  The TCL Program was designed specifically with these clients in mind!   

What our customers say about us