Prêt Auto Partez is fully transparent about who we are, and we follow strict ethical standards in the way we do business. We are not a fly-by-night used-car lot. We are a well-established, respected company. We believe access to car financing should be built on complete trust and integrity. Credit is both essential and highly personal, so we are committed to providing every client with respectful, responsible support that fully meets Quebec’s highest
regulatory standards.

The information below clearly explains who we are for the benefit of consumers, financial institutions and
search engines.

OFFICIAL LEGAL ENTITY

Services Financiers CSM Inc.

Prêt Auto Partez is a registered business name owned and operated by Services Financiers CSM Inc. (QuebecEnterprise Number: NEQ 1162976063).

OFFICE DE LA PROTECTION DU CONSOMMATEUR LICENCE

OPC licence No. 2102453-1

Our brokerage and financing activities are carried out under official licence No. 2102453-1 issued by Quebec’sOffice de la protection du consommateur (OPC).

REGIONAL OFFICE

Mirabel, Quebec

Our credit analysts welcome clients and process applications from our offices at 13655 rue de la Chapelle,Mirabel, QC J7J 2C9. We have been serving Quebec consumers since 2010, under the Prêt Auto Partez name since 2018.

Home

Prêt Auto Partez is a business name operated by Services Financiers CSM Inc. From our Mirabel dealership, our credit analysts process car loan applications and help Quebec consumers find financing solutions suited to their needs.

Specialized Support

Financing that fits your situation

Credit analysis, negotiations with lenders and credit-rebuilding solutions: we work on each application based on your needs and financial situation.

OPC Licence

A team available throughout Quebec

Our credit analysts serve clients across Quebec.

Established in Quebec

Transparency and protection

Clear, complete and easy-to-understand information, protection of your personal information, and your satisfaction are at the heart of our brokerage practices.

Our motto: “Financing first, vehicle second”

To save clients from wasting time, we follow a simple motto: “Financing first, vehicle second.” Instead of using high-pressure sales tactics, we first obtain loan approval from lenders. Then we offer you a choice of quality vehicles that fit what you can truly afford. That helps avoid a lot of disappointment!

Here is what we specialize in:

Financial Brokerage

At the heart of our work are risk assessment, negotiations with lenders and financial recovery. As a broker, we act as a trusted go-between for clients and lenders. Our goal is to secure the best available car-loan offer for each client.

Leading-Edge Technology From DecisioningIT

Our credit pre-qualification and lender-connection system uses high-tech tools developed by DecisioningIT Inc. (NEQ 1175872747), a company founded by our vice-president, André-Martin Hobbs. Powered by AI, Lucy – our friendly name for the system – analyzes and prepares every application, then submits it to several financial institutions at the same time. This helps maximize the chances of approval at the best available rate, all in just a few minutes.

Our Vehicle Inventory

Prêt Auto Partez does not show inventory online because it changes too quickly, often from one hour to the next, and we do not want to advertise a vehicle that has already been sold. The newer and brand-new vehicles offered to clients are displayed on all three floors of our dealership and can be ready to go the same day you visit. They come from Groupe Côté’s affiliated dealerships (Kia, Jeep, Chrysler and RAM) and from Services Financiers CSM Inc. Prêt Auto Partez can also buy a new or used vehicle on request from another dealer or a private seller.

Prêt Auto Partez and DDC Credit: working together

To be fully transparent about how clients find us in Quebec, here is the role of DDC Crédit (demandecredit.ca): DDC Credit is an online lead-generation and pre-qualification portal affiliated with Groupe Côté, which also owns Prêt Auto Partez.

One team handles every application: All online applications submitted through DDC Credit are sent directly to the Prêt Auto Partez team for review. Under the direction of general manager Stephany Kempffer, our second- and third-chance credit specialists – Cathy Beadoin, Stéphanie Daoust, Sammy Dubeau, Pascal Brodeur, Isabelle Therien and several others – review every file carefully and respectfully.

By combining DDC Crédit applications with Prêt Auto Partez resources, we give every applicant access to the best available offers and keep their information strictly protected.

Law 25 and Customer Experience

Four firm commitments to our clients

To make the financing process stress-free and free of unpleasant surprises, we live by four commitments every day.

Application review is completely free with no hidden fees

In keeping with Quebec’s Consumer Protection Act, reviewing your file and pre-qualifying you are 100% free and with no obligation. You will not be charged application, opening or brokerage fees.

An assessment that does not affect your credit score

Our credit-assessment tools use a soft credit check, which does not affect your credit file. You can estimate your budget with our car-loan calculator without lowering your Equifax or TransUnion score.

We negotiate with our lender network on your behalf

We ask several financial institutions to compete for your loan application at the same time, helping us secure the best available offer.

Strong data protection and compliance with Quebec Law 25

Your personal and financial information is handled in strict confidence. In keeping with Quebec Law 25, your data is encrypted in transit using TLS 1.3. Our data-governance program is overseen by our official privacy officer, general manager Stephany Kempffer.

Questions about your personal information or your rights to access or withdraw it?
Email us at demande@pretautopartez.ca or renseignementspersonnels@groupecote.com.

Trust Can Be Verified

Social Proof: Verified Customer Reviews and an Engaged Community on TikTok and Facebook

The best proof of our commitment is the satisfaction of the people we have helped gain greater financial freedom and get back on the road.

Through our Google Business Profile connection, you can view our official rating and more than 1,360 genuine reviews. Our reputation is built on respectful listening, understanding people’s challenges and acting quickly. Read all the latest client feedback on our verified Google Reviews Profile.

Excellent service!! Lire plusLire moins Marylène BC 10 mai 2025 Thank you so much for ur time and service Karine! I appreciate it so much! Hope to deal with you again in the future!! Lire plusLire moins Jonathan Bustamante 30 avril 2025
Really quick service & effective. They help you even if your situation is complicated. Thank you Stephany ! Lire plusLire moins Samira Pailleur 6 mars 2025 Thank you Jennifer for your invaluable assistance.They are very good. When she doesn’t have any car for you, meaning no other company is gonna get you. I am very grateful Lire plusLire moins DESMOND ADARKWAH 20 février 2025
A big Thank you to Stephany for everything you did for me, it appreciated.I hope you get a big raise!! And a Merry Christmas to you and your team. Lire plusLire moins Tasha McGowan 20 Décembre 2024 Loved my experience at prêt auto partez. Isabelle Paradis was our financing specialist and she went above and beyond to make sure we got the financing we need at a more the reasonable rate considering our credit hardships. I would definitely recommend Prêt auto partez. Nothing but quality cars. Lire plusLire moins Christopher Hayden 3 mars 2024

Browse the history of vehicles we have delivered and testimonials from hundreds of clients who drove away with peace of mind in a quality vehicle they successfully financed.

An Engaged TikTok Community

3,836 followers and more than 140,500 likes. Our analysts provide clear, easy-to-understand advice on credit, interest rates, and auto financing.

A Facebook Community of 13K+ People

Follow Prêt Auto Partez on Facebook for helpful tips, news, and resources about auto financing.

Ready to apply for credit?

Submit your secure online auto loan application today for a fast pre-approval.

Frequently Asked Questions About Our Commitments

No. Prêt Auto Partez is a financial brokerage brand operated by Services Financiers CSM Inc. (NEQ 1162976063). We negotiate your loan with lenders, while vehicles are supplied by our affiliated partner dealerships.

Yes, it is 100% free. In keeping with Quebec’s Consumer Protection Act, pre-qualification and file review include no hidden opening or brokerage fees and come with no obligation.

DDC Credit is a lead-generation portal affiliated with Groupe Côté. Every application submitted through DDC Credit is processed directly and securely by the Prêt Auto Partez analyst team using its technology infrastructure.

Fully compliant with Quebec’s Law 25, all personal data is encrypted in transit using TLS 1.3. Our Data Protection Officer, Stephany Kempffer, oversees data privacy (renseignementspersonnels@groupecote.com). Your data is never sold to third parties.

No. Prêt Auto Partez is exclusively a FinTech platform and car-loan brokerage service. We do not offer short-term car rentals.