Consumer Proposal? We Can Help!

A consumer proposal can feel someone’s pressed “pause” on your financial life. While this tool helps many manage overwhelming debt, it can come with questions, doubts, and the fear that major purchases—like a reliable car—are out of reach. But a consumer proposal doesn’t end your car-buying journey—it’s just a different starting point. You have more options than you think—to both get a car loan and build good credit.

The true impact of a consumer proposal
A consumer proposal affects your credit, sure. But it doesn’t make you invisible to lenders. In fact, many lenders are open to working with people in or just out of a consumer proposal. It really comes down to finding the right loan—one that matches your unique circumstances.

The Car Loan Lady specializes in connecting people with lenders who understand what you’re going through, ones who can see beyond the numbers on your credit report.

Borrowing with a consumer proposal is possible
Lenders know that a consumer proposal shows you’re taking control of your finances. You’ve acknowledged your debt, made a plan, and are sticking to it. That’s big! It signals responsibility, and some lenders see it as an opportunity rather than a risk.

The right guidance and expertise helps you leverage this to secure a car loan that fits your budget and keeps you moving forward—literally. It starts with understanding your options.

How the consumer proposal process works
Many traditional lenders shy away from proposals, but alternative lenders are often more flexible. They’ll look at your income, payment history, and overall financial picture—not just your credit score.
This is where The Car Loan Lady can help. We work with lenders who offer reasonable terms, so you can focus on rebuilding your credit without the extra stress of unmanageable payments. Once approved, every on-time payment you make helps repair your credit. So, you’re getting a car loan and a new set of wheels—as well as a leg up toward a stronger financial future.

Take the best first step toward a car loan
A consumer proposal doesn’t close doors; it opens new ones. And you don’t have to go it alone. The Car Loan Lady is ready to help you find a loan that works for you, even in challenging circumstances. Reach out today and discover what’s possible. A reliable car—and a fresh financial start—could be closer than you think. caroline@thecarloanlady.ca or 647 407 7487. No matter where you’re starting from, there’s always a way forward.