{"id":284565,"date":"2026-03-30T15:40:28","date_gmt":"2026-03-30T15:40:28","guid":{"rendered":"https:\/\/www.pretautoquebec.ca\/?p=284565"},"modified":"2026-03-30T15:50:36","modified_gmt":"2026-03-30T15:50:36","slug":"financement-auto-apres-une-remise-volontaire-de-vehicule","status":"publish","type":"post","link":"https:\/\/www.pretautoquebec.ca\/en\/financement-auto-apres-une-remise-volontaire-de-vehicule\/","title":{"rendered":"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:180px;--awb-padding-bottom:180px;--awb-padding-top-small:90px;--awb-padding-bottom-small:90px;--awb-background-image:linear-gradient(180deg, rgba(0,85,155,0.71) 0%,rgba(0,85,155,0.71) 100%),url(https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1.png);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-animated\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-color:rgba(56,182,255,0.59);--awb-bg-color-hover:rgba(56,182,255,0.59);--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:20px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.9\" data-animationDelay=\"0.6\" data-animationOffset=\"top-into-view\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-bg-size:cover;--awb-border-color:#ffffff;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form fusion-form-builder fusion-form-form-wrapper fusion-form-2673\" style=\"--awb-tooltip-text-color:#ffffff;--awb-tooltip-background-color:#333333;\" data-form-id=\"2673\" data-config=\"{&quot;form_id&quot;:&quot;2673&quot;,&quot;form_post_id&quot;:&quot;2673&quot;,&quot;post_id&quot;:284565,&quot;form_type&quot;:&quot;ajax&quot;,&quot;confirmation_type&quot;:&quot;message&quot;,&quot;redirect_url&quot;:&quot;&quot;,&quot;field_labels&quot;:{&quot;Nom&quot;:&quot;&quot;,&quot;E-mail&quot;:&quot;&quot;,&quot;Phone&quot;:&quot;&quot;,&quot;Besoin&quot;:&quot;&quot;,&quot;Message&quot;:&quot;&quot;,&quot;&quot;:&quot;&quot;},&quot;field_logics&quot;:{&quot;notice_1&quot;:&quot;&quot;,&quot;Nom&quot;:&quot;&quot;,&quot;E-mail&quot;:&quot;&quot;,&quot;Phone&quot;:&quot;&quot;,&quot;Besoin&quot;:&quot;&quot;,&quot;Message&quot;:&quot;&quot;,&quot;&quot;:&quot;&quot;},&quot;field_types&quot;:{&quot;notice_1&quot;:&quot;notice&quot;,&quot;Nom&quot;:&quot;text&quot;,&quot;E-mail&quot;:&quot;email&quot;,&quot;Phone&quot;:&quot;phone_number&quot;,&quot;Besoin&quot;:&quot;select&quot;,&quot;Message&quot;:&quot;text&quot;,&quot;&quot;:&quot;consent&quot;,&quot;submit_1&quot;:&quot;submit&quot;},&quot;nonce_method&quot;:&quot;ajax&quot;}\"><form action=\"https:\/\/www.pretautoquebec.ca\/en\/financement-auto-apres-une-remise-volontaire-de-vehicule\/\" method=\"post\" class=\"fusion-form fusion-form-2673\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:center;--awb-font-size:25px;--awb-text-color:#ffffff;\"><p><strong>OBTENEZ VOTRE PR\u00caT AUTO ET VOTRE NOUVEAU V\u00c9HICULE D\u00c8S MAINTENANT<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-content-alignment:center;--awb-font-size:14px;--awb-text-color:#ffffff;\"><p>PARTOUT AU QU\u00c9BEC - GRATUIT - CONFIDENTIEL<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#ffffff;border-color:#ffffff;border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"form-submission-notices data-notice_1\" id=\"fusion-notices-1\"><div class=\"fusion-alert alert success alert-success fusion-alert-center fusion-form-response fusion-form-response-success awb-alert-native-link-color alert-dismissable awb-alert-close-boxed alert-shadow\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"alert-icon\"><i class=\"awb-icon-check-circle\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-alert-content\">Merci pour votre message. Nous serons en communication d\u00e8s que possible.<\/span><\/div><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-label=\"Close\">&times;<\/button><\/div><div class=\"fusion-alert alert error alert-danger fusion-alert-center fusion-form-response fusion-form-response-error awb-alert-native-link-color alert-dismissable awb-alert-close-boxed alert-shadow\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"alert-icon\"><i class=\"awb-icon-exclamation-triangle\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-alert-content\">D\u00e9sol\u00e9. Le message n'a pas \u00e9t\u00e9 envoy\u00e9. Vous pouvez envoyer un courriel \u00e0 info@pretautoquebec.ca.<\/span><\/div><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-label=\"Close\">&times;<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-file-signature fas\"><\/i><input type=\"text\" name=\"Nom\" id=\"Nom\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Nom complet*\" data-holds-private-data=\"false\" minlength=\"0\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-email-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-envelope fas\"><\/i><input type=\"email\" name=\"E-mail\" id=\"E-mail\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Courriel*\" data-holds-private-data=\"false\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-phone-number-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-phone fas\"><\/i><input type=\"tel\" name=\"Phone\" id=\"Phone\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Num\u00e9ro de t\u00e9l\u00e9phone*\" data-holds-private-data=\"false\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-select-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div class=\"fusion-form-input-with-icon\"><i class=\" fa-concierge-bell fas\"><\/i><div class=\"fusion-select-wrapper\"><select tabindex=\"\" id=\"Besoin\" name=\"Besoin\" class=\"fusion-form-input\" data-holds-private-data=\"false\"><option value=\"\" disabled selected>Votre besoin<\/option><option value=\"Acheter un v\u00e9hicule en inventaire\" >Acheter un v\u00e9hicule en inventaire<\/option><option value=\"Pr\u00eat auto bon cr\u00e9dit\" >Pr\u00eat auto bon cr\u00e9dit<\/option><option value=\"Pr\u00eat auto 2e chance\" >Pr\u00eat auto 2e chance<\/option><option value=\"Pr\u00eat auto 3e chance\" >Pr\u00eat auto 3e chance<\/option><option value=\"Pr\u00eat auto pour achat v\u00e9hicule entre particuliers\" >Pr\u00eat auto pour achat v\u00e9hicule entre particuliers<\/option><option value=\"Acheter une garantie prolong\u00e9e\" >Acheter une garantie prolong\u00e9e<\/option><option value=\"Devenir partenaire concessionnaire\" >Devenir partenaire concessionnaire<\/option><option value=\"Autre\" >Autre<\/option><\/select><div class=\"select-arrow\"><svg width=\"12\" height=\"8\" viewBox=\"0 0 12 8\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> <path d=\"M1.5 1.75L6 6.25L10.5 1.75\" stroke=\"#6D6D6D\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/> <\/svg><\/div><\/div><\/div><\/div><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-comment fas\"><\/i><input type=\"text\" name=\"Message\" id=\"Message\" value=\"\"  class=\"fusion-form-input\" placeholder=\"Message\" data-holds-private-data=\"false\" minlength=\"0\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-consent-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><p><p style=\"color: white;\">\nPar la pr\u00e9sente, en soumettant cette demande, je confirme avoir pris connaissance de la \n<a href=\"https:\/\/www.pretautoquebec.ca\/politique-de-confidentialite\/\" target=\"_blank\" style=\"color: white; text-decoration: underline;\">\npolitique de confidentialit\u00e9\n<\/a> et j\u2019accepte que <strong>Pr\u00eat Auto Qu\u00e9bec et son \u00e9quipe<\/strong> puissent me contacter afin de traiter ma demande et me fournir des informations concernant leurs services.\n<\/p><\/p><input name=\"\" type=\"hidden\" value=\"1\"\/><\/div><div class=\"fusion-form-field fusion-form-submit-field fusion-form-label-above\" style=\"\" data-form-id=\"2673\"><div ><button type=\"submit\" class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-span-yes  form-form-submit button-default\" data-form-number=\"2673\" tabindex=\"\"><span class=\"fusion-button-text\">ENVOYER <\/span><\/button><\/div><\/div><\/div><\/div><\/div><\/div><\/form><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_3_5 3_5 fusion-flex-column fusion-animated\" style=\"--awb-padding-bottom-small:60px;--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:20px;--awb-spacing-right-large:12.8%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:12.8%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.9\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-font-size:54px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;text-transform:none;--fontSize:54;line-height:var(--awb-typography1-line-height);\"><h1>Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule<\/h1><\/h1><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-font-size:20px;--awb-line-height:32px;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#ffffff;--awb-text-font-family:&quot;Afacad&quot;;\"><p data-start=\"253\" data-end=\"650\">La remise volontaire voiture survient lorsqu\u2019un propri\u00e9taire de v\u00e9hicule ne peut plus continuer \u00e0 effectuer ses paiements et d\u00e9cide de remettre volontairement son v\u00e9hicule au pr\u00eateur. Contrairement \u00e0 une saisie, la remise volontaire est effectu\u00e9e avec le consentement du propri\u00e9taire, mais elle reste consid\u00e9r\u00e9e comme un \u00e9v\u00e9nement n\u00e9gatif pour le dossier de cr\u00e9dit.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;margin-bottom:15px;width:100%;\"><\/div><ul style=\"--awb-textcolor:#ffffff;--awb-line-height:34px;--awb-icon-width:34px;--awb-icon-height:34px;--awb-icon-margin:14px;--awb-content-margin:48px;--awb-circlecolor:#38b6ff;--awb-circle-yes-font-size:17.6px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Nous sommes sp\u00e9cialistes dans le pr\u00eat auto en 1\u00e8re, 2e, 3e et 4e chance au cr\u00e9dit.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Avec ou sans mise de fonds.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Plus de 20 institutions financi\u00e8res partenaires<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Plus de 1000 v\u00e9hicules en inventaire<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Un service gratuit, rapide et confidentiel<\/p>\n<\/div><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-padding-bottom-small:0px;--awb-padding-left-small:0px;--awb-bg-color:#ffffff;--awb-bg-color-hover:#ffffff;--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:-50px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:50%;--awb-order-small:0;--awb-margin-top-small:0px;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row fusion-flex-align-items-center\"><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-font-size:72px;--awb-line-height:1.4;--awb-letter-spacing:0px;--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:#000000;--awb-margin-bottom:0px;--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:300;\"><p><span style=\"color: #00559b;\">18+<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:1.6;--awb-letter-spacing:0px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#3b6c80;--awb-margin-bottom:0px;--awb-margin-left:20px;--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Institutions financi\u00e8res partenaires.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-padding-left-medium:0px;--awb-padding-bottom-small:0px;--awb-padding-left-small:0px;--awb-bg-color:#ffffff;--awb-bg-color-hover:#ffffff;--awb-bg-size:cover;--awb-border-color:#efefef;--awb-border-left:1px;--awb-border-style:solid;--awb-width-large:25%;--awb-margin-top-large:-50px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:50%;--awb-order-small:0;--awb-margin-top-small:0px;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row fusion-flex-align-items-center\"><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-font-size:72px;--awb-line-height:1.4;--awb-letter-spacing:0px;--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:#000000;--awb-margin-bottom:0px;--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:300;\"><p><span style=\"color: #00559b;\">1000+<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:1.6;--awb-letter-spacing:0px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#3b6c80;--awb-margin-bottom:0px;--awb-margin-left:20px;--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><div class=\"flex-1 overflow-hidden\">\n<div class=\"react-scroll-to-bottom--css-awfvm-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-awfvm-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-17\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-&#091;40rem&#093; xl:max-w-&#091;48rem&#093; group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-&#091;calc(100%-115px)&#093; agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-&#091;20px&#093; text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words &#091;.text-message+&amp;&#093;:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"23f73924-c5cb-40a8-a43a-bdfc5028eaea\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"react-scroll-to-bottom--css-xpauz-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-xpauz-1n7m0yu\">\n<div class=\"flex flex-col text-sm pb-9\">\n<div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-605\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-&#091;40rem&#093; xl:max-w-&#091;48rem&#093; group final-completion\">\n<div class=\"relative flex w-full flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-&#091;20px&#093; text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words &#091;.text-message+&amp;&#093;:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"67cf2af6-9e12-4ac3-9b8d-9c8c29168303\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<p>V\u00e9hicules en inventaire.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-margin-bottom:100px;--awb-background-color:#22253d;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23031%29%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%3E%3Cpath%20d%3D%22M1321.57%20538C1357.08%20287.516%201273.7%2089.91%201127-.418L1374.18-6c65.77%20100.68-15.89%20431.512-52.61%20544zM312%20955c432.242%200%20746.77-180.667%20850-271-90.34%20157.09-176.766%20246.121-208.688%20271H312z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1344.5%20427c0-252.4-212.67-390.833-319-428.5H1373c70%2082.4%2010.17%20320-28.5%20428.5z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M839.644%20954C1138.37%20793.549%201337%20508.902%201337%20184.5c0-63.218-7.54-124.926-21.9-184.5H1920v954H839.644zm0%200C676.842%201041.44%20484.311%201092%20278%201092c-584.87%200-1059-406.302-1059-907.5S-306.87-723%20278-723c511.098%200%20937.63%20310.269%201037.1%20723H0v954h839.644z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.5%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1011.55%20954C1221.42%20793.95%201353%20564.007%201353%20308.5c0-108.584-23.76-212.552-67.2-308.5H1920v954h-908.45zm0%200c-187.291%20142.83-436.933%20230-711.05%20230C-280.78%201184-752%20792.025-752%20308.5S-280.78-567%20300.5-567c450.743%200%20835.31%20235.692%20985.3%20567H0v954h1011.55z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23031%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(-1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:100px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:20px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;letter-spacing:-0.015em;text-transform:none;--fontSize:30;line-height:1.2;\"><h2 data-section-id=\"1qhsrym\" data-start=\"804\" data-end=\"853\"><span role=\"text\"><strong data-start=\"808\" data-end=\"853\">Comment fonctionne la remise volontaire ?<\/strong><\/span><\/h2>\n<h2 data-start=\"855\" data-end=\"1211\"><\/h2><\/h2><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.pretautoquebec.ca\/pret-auto-quebec__trashed\/joindre-pret-auto-quebec\/\"><span class=\"fusion-button-text\">OBTENIR MON V\u00c9HICULE<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:-40px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);--awb-filter:saturate(100%);--awb-filter-transition:filter 0.3s ease;--awb-filter-hover:saturate(0%);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"border-radius:12px;\"><img decoding=\"async\" width=\"1400\" height=\"800\" alt=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" title=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" src=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1.png\" class=\"img-responsive wp-image-284567\" srcset=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1-200x114.png 200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1-400x229.png 400w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1-600x343.png 600w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1-800x457.png 800w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1-1200x686.png 1200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-6-1.png 1400w\" sizes=\"(max-width: 640px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:100px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\" style=\"--awb-font-size:17px;--awb-line-height:1.8;--awb-letter-spacing:-0.015em;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#22253d;--awb-margin-top:10px;--awb-text-font-family:&quot;Mulish&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p data-start=\"223\" data-end=\"426\">La remise volontaire est une solution que certains propri\u00e9taires de v\u00e9hicules choisissent lorsqu\u2019ils ne peuvent plus assumer leurs paiements auto. Voici les principales \u00e9tapes et d\u00e9tails du processus :<\/p>\n<ul data-start=\"428\" data-end=\"2075\">\n<li data-section-id=\"vujz71\" data-start=\"428\" data-end=\"760\">Contact avec le pr\u00eateur : Le propri\u00e9taire doit d\u2019abord informer sa banque ou son institution financi\u00e8re de sa situation et exprimer sa volont\u00e9 de remettre le v\u00e9hicule volontairement. Cette communication est essentielle pour \u00e9viter les cons\u00e9quences l\u00e9gales plus lourdes et pour trouver des solutions alternatives si possible.<\/li>\n<li data-section-id=\"1ywpo0p\" data-start=\"762\" data-end=\"1026\">Prise de possession du v\u00e9hicule : Une fois la demande accept\u00e9e, le pr\u00eateur prend possession du v\u00e9hicule. Celui-ci est ensuite remis \u00e0 la revente, souvent aux ench\u00e8res ou par un concessionnaire agr\u00e9\u00e9, afin de r\u00e9cup\u00e9rer une partie du montant du pr\u00eat initial.<\/li>\n<li data-section-id=\"awq29j\" data-start=\"1028\" data-end=\"1374\">Solde restant du pr\u00eat : Si le v\u00e9hicule est revendu pour un montant inf\u00e9rieur au solde du pr\u00eat restant, le propri\u00e9taire reste l\u00e9galement responsable de la diff\u00e9rence. Il s\u2019agit du solde d\u00e9ficitaire, qui peut \u00eatre n\u00e9goci\u00e9 avec le pr\u00eateur sous forme de plan de paiement ou d\u2019autres modalit\u00e9s adapt\u00e9es \u00e0 la situation financi\u00e8re du client.<\/li>\n<li data-section-id=\"z9dt3c\" data-start=\"1376\" data-end=\"1667\">Plan de paiement possible : Dans de nombreux cas, le pr\u00eateur peut proposer un plan de remboursement \u00e9chelonn\u00e9 pour le solde restant, afin de r\u00e9duire la pression financi\u00e8re et de permettre au client de respecter ses obligations tout en limitant l\u2019impact sur son dossier de cr\u00e9dit.<\/li>\n<li data-section-id=\"11ajxmf\" data-start=\"1669\" data-end=\"2075\">Moins de stress qu\u2019une saisie : Compar\u00e9e \u00e0 une saisie judiciaire, la remise volontaire est g\u00e9n\u00e9ralement plus rapide et moins complexe, car elle \u00e9vite les d\u00e9marches l\u00e9gales lourdes et les frais suppl\u00e9mentaires. Le processus est encadr\u00e9 et permet au propri\u00e9taire de collaborer avec le pr\u00eateur, ce qui peut parfois pr\u00e9server une partie de son cr\u00e9dit si la proc\u00e9dure est transparente et bien g\u00e9r\u00e9e.<\/li>\n<\/ul>\n<p data-start=\"2077\" data-end=\"2454\">En r\u00e9sum\u00e9, la remise volontaire est une solution encadr\u00e9e et contr\u00f4l\u00e9e qui peut aider un propri\u00e9taire \u00e0 g\u00e9rer une situation financi\u00e8re difficile tout en minimisant les cons\u00e9quences n\u00e9gatives par rapport \u00e0 une saisie. Cependant, elle reste un \u00e9v\u00e9nement d\u00e9favorable sur le dossier de cr\u00e9dit, et il est conseill\u00e9 de consid\u00e9rer toutes les alternatives avant d\u2019y recourir.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-margin-bottom:100px;--awb-background-color:#22253d;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23031%29%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%3E%3Cpath%20d%3D%22M1321.57%20538C1357.08%20287.516%201273.7%2089.91%201127-.418L1374.18-6c65.77%20100.68-15.89%20431.512-52.61%20544zM312%20955c432.242%200%20746.77-180.667%20850-271-90.34%20157.09-176.766%20246.121-208.688%20271H312z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1344.5%20427c0-252.4-212.67-390.833-319-428.5H1373c70%2082.4%2010.17%20320-28.5%20428.5z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M839.644%20954C1138.37%20793.549%201337%20508.902%201337%20184.5c0-63.218-7.54-124.926-21.9-184.5H1920v954H839.644zm0%200C676.842%201041.44%20484.311%201092%20278%201092c-584.87%200-1059-406.302-1059-907.5S-306.87-723%20278-723c511.098%200%20937.63%20310.269%201037.1%20723H0v954h839.644z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.5%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1011.55%20954C1221.42%20793.95%201353%20564.007%201353%20308.5c0-108.584-23.76-212.552-67.2-308.5H1920v954h-908.45zm0%200c-187.291%20142.83-436.933%20230-711.05%20230C-280.78%201184-752%20792.025-752%20308.5S-280.78-567%20300.5-567c450.743%200%20835.31%20235.692%20985.3%20567H0v954h1011.55z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23031%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(-1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:100px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:20px;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;letter-spacing:-0.015em;text-transform:none;--fontSize:30;line-height:1.2;\"><h3 data-section-id=\"1yx8l9m\" data-start=\"139\" data-end=\"178\"><span role=\"text\"><strong data-start=\"143\" data-end=\"178\">Impact sur le cr\u00e9dit et limites<\/strong><\/span><\/h3><\/h3><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.pretautoquebec.ca\/pret-auto-quebec__trashed\/joindre-pret-auto-quebec\/\"><span class=\"fusion-button-text\">OBTENIR MON V\u00c9HICULE<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:-40px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);--awb-filter:saturate(100%);--awb-filter-transition:filter 0.3s ease;--awb-filter-hover:saturate(0%);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\" style=\"border-radius:12px;\"><img decoding=\"async\" width=\"1400\" height=\"800\" alt=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" title=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" src=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5.png\" class=\"img-responsive wp-image-284566\" srcset=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5-200x114.png 200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5-400x229.png 400w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5-600x343.png 600w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5-800x457.png 800w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5-1200x686.png 1200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-5.png 1400w\" sizes=\"(max-width: 640px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:100px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9\" style=\"--awb-font-size:17px;--awb-line-height:1.8;--awb-letter-spacing:-0.015em;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#22253d;--awb-margin-top:10px;--awb-text-font-family:&quot;Mulish&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p data-start=\"180\" data-end=\"608\">La remise volontaire a des cons\u00e9quences importantes sur votre dossier de cr\u00e9dit. Lorsqu\u2019un v\u00e9hicule est remis volontairement, cela est g\u00e9n\u00e9ralement not\u00e9 par les institutions financi\u00e8res comme un pr\u00eat impay\u00e9 ou un d\u00e9faut de paiement. M\u00eame si ce processus est volontaire, il reste consid\u00e9r\u00e9 comme un \u00e9v\u00e9nement n\u00e9gatif, car le propri\u00e9taire ne respecte pas l\u2019engagement pris lors de la signature du contrat de financement.<\/p>\n<p data-start=\"610\" data-end=\"813\">Cependant, par rapport \u00e0 une saisie judiciaire, la remise volontaire peut parfois \u00eatre per\u00e7ue l\u00e9g\u00e8rement plus favorablement par les pr\u00eateurs, surtout si certaines bonnes pratiques ont \u00e9t\u00e9 suivies :<\/p>\n<ul data-start=\"815\" data-end=\"1448\">\n<li data-section-id=\"1eqis30\" data-start=\"815\" data-end=\"1003\">Communication proactive avec la banque : Informer votre institution financi\u00e8re avant que les paiements ne soient en retard montre votre transparence et votre volont\u00e9 de collaborer.<\/li>\n<li data-section-id=\"183g55c\" data-start=\"1004\" data-end=\"1189\">Respect du processus l\u00e9gal : Suivre toutes les \u00e9tapes l\u00e9gales, fournir les documents demand\u00e9s et coop\u00e9rer pleinement avec le pr\u00eateur est essentiel pour limiter l\u2019impact n\u00e9gatif.<\/li>\n<li data-section-id=\"1e1js1u\" data-start=\"1190\" data-end=\"1448\">Transparence pour les futurs financements : \u00catre honn\u00eate et clair sur votre situation financi\u00e8re lors de vos prochaines demandes de pr\u00eat aide \u00e0 instaurer la confiance avec les pr\u00eateurs et peut faciliter l\u2019acc\u00e8s \u00e0 des solutions de financement futures.<\/li>\n<\/ul>\n<p data-start=\"1450\" data-end=\"1863\">Limite des remises volontaires : il est important de savoir qu\u2019un consommateur ne peut effectuer qu\u2019un maximum de deux remises volontaires tout en restant admissible \u00e0 un financement auto en 2e ou 3e chance au cr\u00e9dit. Si ce nombre est d\u00e9pass\u00e9, la plupart des institutions financi\u00e8res consid\u00e8rent le profil comme trop risqu\u00e9 et il devient tr\u00e8s difficile, voire impossible, d\u2019obtenir un pr\u00eat auto.<\/p>\n<p data-start=\"1865\" data-end=\"2241\">En pratique, cela signifie que la remise volontaire doit toujours \u00eatre utilis\u00e9e comme dernier recours, apr\u00e8s avoir explor\u00e9 toutes les autres options de financement ou de restructuration de dette. Un suivi rigoureux et un accompagnement professionnel sont essentiels pour minimiser l\u2019impact sur le cr\u00e9dit et pr\u00e9server la possibilit\u00e9 de financer un v\u00e9hicule dans le futur.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-margin-bottom:100px;--awb-background-color:#22253d;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23031%29%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%3E%3Cpath%20d%3D%22M1321.57%20538C1357.08%20287.516%201273.7%2089.91%201127-.418L1374.18-6c65.77%20100.68-15.89%20431.512-52.61%20544zM312%20955c432.242%200%20746.77-180.667%20850-271-90.34%20157.09-176.766%20246.121-208.688%20271H312z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1344.5%20427c0-252.4-212.67-390.833-319-428.5H1373c70%2082.4%2010.17%20320-28.5%20428.5z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M839.644%20954C1138.37%20793.549%201337%20508.902%201337%20184.5c0-63.218-7.54-124.926-21.9-184.5H1920v954H839.644zm0%200C676.842%201041.44%20484.311%201092%20278%201092c-584.87%200-1059-406.302-1059-907.5S-306.87-723%20278-723c511.098%200%20937.63%20310.269%201037.1%20723H0v954h839.644z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.5%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1011.55%20954C1221.42%20793.95%201353%20564.007%201353%20308.5c0-108.584-23.76-212.552-67.2-308.5H1920v954h-908.45zm0%200c-187.291%20142.83-436.933%20230-711.05%20230C-280.78%201184-752%20792.025-752%20308.5S-280.78-567%20300.5-567c450.743%200%20835.31%20235.692%20985.3%20567H0v954h1011.55z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23031%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(-1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:100px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:20px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;letter-spacing:-0.015em;text-transform:none;--fontSize:30;line-height:1.2;\"><h4 data-section-id=\"tb7xmm\" data-start=\"171\" data-end=\"214\"><span role=\"text\"><strong data-start=\"175\" data-end=\"214\">Options avant une remise volontaire<\/strong><\/span><\/h4>\n<h4 data-start=\"216\" data-end=\"587\"><\/h4><\/h4><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-4 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.pretautoquebec.ca\/pret-auto-quebec__trashed\/joindre-pret-auto-quebec\/\"><span class=\"fusion-button-text\">OBTENIR MON V\u00c9HICULE<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:-40px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);--awb-filter:saturate(100%);--awb-filter-transition:filter 0.3s ease;--awb-filter-hover:saturate(0%);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\" style=\"border-radius:12px;\"><img decoding=\"async\" width=\"600\" height=\"600\" alt=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" title=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" src=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-8.png\" class=\"img-responsive wp-image-284568\" srcset=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-8-200x200.png 200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-8-400x400.png 400w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-8.png 600w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:100px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-10\" style=\"--awb-font-size:17px;--awb-line-height:1.8;--awb-letter-spacing:-0.015em;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#22253d;--awb-margin-top:10px;--awb-text-font-family:&quot;Mulish&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p data-start=\"216\" data-end=\"587\">Avant de d\u00e9cider de remettre votre v\u00e9hicule volontairement, il est essentiel d\u2019explorer toutes les solutions possibles pour pr\u00e9server votre cr\u00e9dit et conserver votre v\u00e9hicule. Une remise volontaire doit toujours \u00eatre envisag\u00e9e comme un dernier recours, car elle a un impact important sur votre dossier de cr\u00e9dit et peut limiter vos options de financement futur.<\/p>\n<p data-start=\"1198\" data-end=\"1466\">Recourir \u00e0 un endosseur peut permettre de ren\u00e9gocier les conditions du pr\u00eat ou d\u2019\u00e9viter compl\u00e8tement la remise volontaire. Cela offre \u00e9galement une chance de pr\u00e9server votre cote de cr\u00e9dit tout en restant dans un financement auto r\u00e9gulier ou en 2e\/3e chance.<\/p>\n<p data-start=\"1468\" data-end=\"1770\">1. Communiquer avec votre banque pr\u00eateuse<br data-start=\"1513\" data-end=\"1516\" \/>Avant de proc\u00e9der \u00e0 la remise volontaire, il est crucial de contacter votre institution financi\u00e8re pour discuter de votre situation et explorer des alternatives. Les banques peuvent proposer plusieurs solutions pour r\u00e9duire la pression financi\u00e8re :<\/p>\n<ul data-start=\"1771\" data-end=\"2328\">\n<li data-section-id=\"v85gar\" data-start=\"1771\" data-end=\"1883\">Plan de paiement modifi\u00e9 : Ajustement temporaire des mensualit\u00e9s pour mieux correspondre \u00e0 votre budget.<\/li>\n<li data-section-id=\"1atk3uz\" data-start=\"1884\" data-end=\"2023\">Allongement de la dur\u00e9e du pr\u00eat : Permet de r\u00e9duire les paiements mensuels en \u00e9talant le remboursement sur une p\u00e9riode plus longue.<\/li>\n<li data-section-id=\"10eo53l\" data-start=\"2024\" data-end=\"2184\">Consolidation de dettes ou refinancement : Possibilit\u00e9 de regrouper vos dettes pour simplifier la gestion et diminuer le montant des paiements mensuels.<\/li>\n<li data-section-id=\"ji9sj8\" data-start=\"2185\" data-end=\"2328\">Autres mesures personnalis\u00e9es : Selon votre situation, la banque peut proposer des solutions adapt\u00e9es pour \u00e9viter la remise volontaire.<\/li>\n<\/ul>\n<p data-start=\"2330\" data-end=\"2736\">2. \u00c9valuer votre situation financi\u00e8re avant toute d\u00e9cision<br data-start=\"2392\" data-end=\"2395\" \/>Prenez le temps d\u2019analyser vos revenus, vos d\u00e9penses et vos obligations financi\u00e8res. \u00c9tablir un budget r\u00e9aliste et envisager toutes les solutions possibles peut vous \u00e9viter de remettre votre v\u00e9hicule. Un accompagnement professionnel ou un conseiller en financement auto peut \u00e9galement vous aider \u00e0 trouver des alternatives viables.<\/p>\n<p data-start=\"2738\" data-end=\"2789\">En combinant ces d\u00e9marches, vous pouvez souvent :<\/p>\n<ul data-start=\"2790\" data-end=\"3051\">\n<li data-section-id=\"13s5fhj\" data-start=\"2790\" data-end=\"2863\">\u00c9viter la remise volontaire et ses impacts n\u00e9gatifs sur votre cr\u00e9dit.<\/li>\n<li data-section-id=\"1dac5pv\" data-start=\"2864\" data-end=\"2954\">Maintenir l\u2019acc\u00e8s \u00e0 votre v\u00e9hicule pour vos d\u00e9placements quotidiens ou professionnels.<\/li>\n<li data-section-id=\"17ayozw\" data-start=\"2955\" data-end=\"3051\">Pr\u00e9parer un plan solide pour reb\u00e2tir votre cr\u00e9dit et rester \u00e9ligible \u00e0 un financement futur.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-margin-bottom:100px;--awb-background-color:#22253d;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23031%29%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%3E%3Cpath%20d%3D%22M1321.57%20538C1357.08%20287.516%201273.7%2089.91%201127-.418L1374.18-6c65.77%20100.68-15.89%20431.512-52.61%20544zM312%20955c432.242%200%20746.77-180.667%20850-271-90.34%20157.09-176.766%20246.121-208.688%20271H312z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1344.5%20427c0-252.4-212.67-390.833-319-428.5H1373c70%2082.4%2010.17%20320-28.5%20428.5z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M839.644%20954C1138.37%20793.549%201337%20508.902%201337%20184.5c0-63.218-7.54-124.926-21.9-184.5H1920v954H839.644zm0%200C676.842%201041.44%20484.311%201092%20278%201092c-584.87%200-1059-406.302-1059-907.5S-306.87-723%20278-723c511.098%200%20937.63%20310.269%201037.1%20723H0v954h839.644z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.5%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1011.55%20954C1221.42%20793.95%201353%20564.007%201353%20308.5c0-108.584-23.76-212.552-67.2-308.5H1920v954h-908.45zm0%200c-187.291%20142.83-436.933%20230-711.05%20230C-280.78%201184-752%20792.025-752%20308.5S-280.78-567%20300.5-567c450.743%200%20835.31%20235.692%20985.3%20567H0v954h1011.55z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23031%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(-1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:100px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:20px;--awb-font-size:30px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;letter-spacing:-0.015em;text-transform:none;--fontSize:30;line-height:1.2;\"><h5 data-section-id=\"xzs0jz\" data-start=\"196\" data-end=\"266\"><span role=\"text\"><strong data-start=\"200\" data-end=\"266\">Conseils pour g\u00e9rer une remise volontaire et pr\u00e9parer l\u2019avenir<\/strong><\/span><\/h5>\n<h5 data-start=\"268\" data-end=\"575\"><\/h5><\/h5><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.pretautoquebec.ca\/pret-auto-quebec__trashed\/joindre-pret-auto-quebec\/\"><span class=\"fusion-button-text\">OBTENIR MON V\u00c9HICULE<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:-40px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);--awb-filter:saturate(100%);--awb-filter-transition:filter 0.3s ease;--awb-filter-hover:saturate(0%);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\" style=\"border-radius:12px;\"><img decoding=\"async\" width=\"600\" height=\"600\" alt=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" title=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" src=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-7-1.png\" class=\"img-responsive wp-image-284569\" srcset=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-7-1-200x200.png 200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-7-1-400x400.png 400w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-7-1.png 600w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:100px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11\" style=\"--awb-font-size:17px;--awb-line-height:1.8;--awb-letter-spacing:-0.015em;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#22253d;--awb-margin-top:10px;--awb-text-font-family:&quot;Mulish&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p data-start=\"268\" data-end=\"575\">La remise volontaire peut \u00eatre une solution n\u00e9cessaire dans certaines situations financi\u00e8res, mais elle a un impact direct sur votre dossier de cr\u00e9dit. Il est donc crucial de prendre des mesures pour minimiser les effets n\u00e9gatifs et pr\u00e9parer votre futur financement auto. Voici les conseils cl\u00e9s :<\/p>\n<ul data-start=\"577\" data-end=\"2891\">\n<li data-section-id=\"13b5et2\" data-start=\"577\" data-end=\"1121\">Communiquez rapidement avec votre pr\u00eateur<br data-start=\"624\" data-end=\"627\" \/>D\u00e8s que vous anticipez des difficult\u00e9s de paiement, informez votre banque ou votre institution financi\u00e8re. Une communication proactive permet d\u2019explorer toutes les alternatives avant la remise volontaire, comme un plan de paiement ajust\u00e9, un allongement de la dur\u00e9e du pr\u00eat ou d\u2019autres mesures pour rendre vos mensualit\u00e9s plus abordables. La transparence et la coop\u00e9ration sont essentielles pour r\u00e9duire l\u2019impact sur votre cr\u00e9dit et garder la possibilit\u00e9 d\u2019obtenir un financement futur.<\/li>\n<li data-section-id=\"8wsvju\" data-start=\"1123\" data-end=\"1566\">\u00c9valuez vos finances et \u00e9tablissez un budget r\u00e9aliste<br data-start=\"1182\" data-end=\"1185\" \/>Prenez le temps d\u2019analyser vos revenus, vos d\u00e9penses et vos dettes existantes. \u00c9tablir un budget r\u00e9aliste vous aidera \u00e0 d\u00e9terminer votre capacit\u00e9 \u00e0 assumer vos obligations financi\u00e8res et \u00e0 planifier vos prochains paiements. Un budget clair vous permet \u00e9galement d\u2019identifier les priorit\u00e9s, d\u2019\u00e9viter les dettes inutiles et de mieux g\u00e9rer vos d\u00e9penses apr\u00e8s la remise volontaire.<\/li>\n<li data-section-id=\"n5whg9\" data-start=\"1568\" data-end=\"2230\">Reb\u00e2tissez votre cr\u00e9dit progressivement<br data-start=\"1613\" data-end=\"1616\" \/>Un pr\u00eat auto ou un financement bien g\u00e9r\u00e9 apr\u00e8s une remise volontaire est un outil puissant pour reconstruire votre historique de cr\u00e9dit. Pour ce faire :\n<ul data-start=\"1779\" data-end=\"2230\">\n<li data-section-id=\"u23on7\" data-start=\"1779\" data-end=\"1835\">Effectuez tous vos paiements \u00e0 temps et en totalit\u00e9.<\/li>\n<li data-section-id=\"aqwb2a\" data-start=\"1838\" data-end=\"1949\">\u00c9vitez de contracter plusieurs dettes simultan\u00e9ment, ce qui pourrait compliquer la gestion de vos finances.<\/li>\n<li data-section-id=\"t3sxmg\" data-start=\"1952\" data-end=\"2230\">Surveillez r\u00e9guli\u00e8rement votre cote de cr\u00e9dit pour suivre vos progr\u00e8s et d\u00e9tecter rapidement tout probl\u00e8me.<br data-start=\"2061\" data-end=\"2064\" \/>Cette approche progressive permet de restaurer la confiance des pr\u00eateurs et de rendre votre profil admissible \u00e0 de meilleurs taux et conditions dans le futur.<\/li>\n<\/ul>\n<\/li>\n<li data-section-id=\"52s17q\" data-start=\"2232\" data-end=\"2891\">Cherchez un accompagnement professionnel<br data-start=\"2278\" data-end=\"2281\" \/>Faire appel \u00e0 un concessionnaire automobile autoris\u00e9 ou \u00e0 un sp\u00e9cialiste en financement auto peut grandement faciliter le processus. Ces experts vous guident pour :\n<ul data-start=\"2460\" data-end=\"2891\">\n<li data-section-id=\"eztzuf\" data-start=\"2460\" data-end=\"2529\">Identifier les options de financement adapt\u00e9es \u00e0 votre situation.<\/li>\n<li data-section-id=\"1dnj044\" data-start=\"2532\" data-end=\"2613\">Pr\u00e9parer correctement votre dossier pour augmenter vos chances d\u2019approbation.<\/li>\n<li data-section-id=\"o66pg0\" data-start=\"2616\" data-end=\"2891\">\u00c9viter les erreurs qui pourraient nuire \u00e0 votre cr\u00e9dit ou compliquer le remboursement.<br data-start=\"2704\" data-end=\"2707\" \/>Un accompagnement professionnel vous permet de repartir sur de bonnes bases, m\u00eame apr\u00e8s une remise volontaire, et de s\u00e9curiser un financement auto futur de mani\u00e8re responsable.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-start=\"2893\" data-end=\"3134\">En appliquant ces conseils, vous pouvez non seulement limiter l\u2019impact d\u2019une remise volontaire sur votre dossier de cr\u00e9dit, mais aussi pr\u00e9parer votre avenir financier et retrouver l\u2019acc\u00e8s \u00e0 un financement auto adapt\u00e9 \u00e0 vos besoins.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-margin-bottom:100px;--awb-background-color:#22253d;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23031%29%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%3E%3Cpath%20d%3D%22M1321.57%20538C1357.08%20287.516%201273.7%2089.91%201127-.418L1374.18-6c65.77%20100.68-15.89%20431.512-52.61%20544zM312%20955c432.242%200%20746.77-180.667%20850-271-90.34%20157.09-176.766%20246.121-208.688%20271H312z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1344.5%20427c0-252.4-212.67-390.833-319-428.5H1373c70%2082.4%2010.17%20320-28.5%20428.5z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M839.644%20954C1138.37%20793.549%201337%20508.902%201337%20184.5c0-63.218-7.54-124.926-21.9-184.5H1920v954H839.644zm0%200C676.842%201041.44%20484.311%201092%20278%201092c-584.87%200-1059-406.302-1059-907.5S-306.87-723%20278-723c511.098%200%20937.63%20310.269%201037.1%20723H0v954h839.644z%22%20fill%3D%22rgba%2861%2C67%2C109%2C1%29%22%20fill-opacity%3D%22.5%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1011.55%20954C1221.42%20793.95%201353%20564.007%201353%20308.5c0-108.584-23.76-212.552-67.2-308.5H1920v954h-908.45zm0%200c-187.291%20142.83-436.933%20230-711.05%20230C-280.78%201184-752%20792.025-752%20308.5S-280.78-567%20300.5-567c450.743%200%20835.31%20235.692%20985.3%20567H0v954h1011.55z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23031%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(-1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:100px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:20px;--awb-font-size:30px;\"><h6 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;letter-spacing:-0.015em;text-transform:none;--fontSize:30;line-height:1.2;\"><h6 data-section-id=\"ipesbb\" data-start=\"236\" data-end=\"282\"><span role=\"text\"><strong data-start=\"240\" data-end=\"282\">Remise volontaire et financement futur<\/strong><\/span><\/h6>\n<h6 data-start=\"284\" data-end=\"789\"><\/h6><\/h6><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-6 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.pretautoquebec.ca\/pret-auto-quebec__trashed\/joindre-pret-auto-quebec\/\"><span class=\"fusion-button-text\">OBTENIR MON V\u00c9HICULE<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:-40px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);--awb-filter:saturate(100%);--awb-filter-transition:filter 0.3s ease;--awb-filter-hover:saturate(0%);\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-none\" style=\"border-radius:12px;\"><img decoding=\"async\" width=\"600\" height=\"600\" alt=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" title=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule\" src=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-9.png\" class=\"img-responsive wp-image-284570\" srcset=\"https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-9-200x200.png 200w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-9-400x400.png 400w, https:\/\/www.pretautoquebec.ca\/wp-content\/uploads\/2026\/03\/Add-a-heading-9.png 600w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-12 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:100px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-12\" style=\"--awb-font-size:17px;--awb-line-height:1.8;--awb-letter-spacing:-0.015em;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#22253d;--awb-margin-top:10px;--awb-text-font-family:&quot;Mulish&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p data-start=\"284\" data-end=\"789\">M\u00eame apr\u00e8s une remise volontaire, il est possible de retrouver un financement auto, \u00e0 condition que le nombre maximum de deux remises volontaires n\u2019ait pas \u00e9t\u00e9 d\u00e9pass\u00e9. Ce type de financement s\u2019adresse souvent aux clients en 2e ou 3e chance au cr\u00e9dit, et il peut concerner \u00e0 la fois des v\u00e9hicules neufs ou d\u2019occasion. L\u2019essentiel est de g\u00e9rer la situation avec prudence et strat\u00e9gie pour minimiser l\u2019impact sur votre dossier de cr\u00e9dit et maximiser vos chances d\u2019obtenir un financement futur.<\/p>\n<p data-start=\"791\" data-end=\"961\">Chez Pr\u00eat Auto Qu\u00e9bec, nous accompagnons nos clients \u00e0 chaque \u00e9tape pour s\u2019assurer que le processus soit clair, s\u00e9curis\u00e9 et adapt\u00e9 \u00e0 leurs besoins sp\u00e9cifiques :<\/p>\n<ul data-start=\"963\" data-end=\"2293\">\n<li data-section-id=\"1pbrzqb\" data-start=\"963\" data-end=\"1280\">\u00c9valuation compl\u00e8te de la situation financi\u00e8re : Avant de proposer un plan de financement, nous analysons vos revenus, vos dettes, votre emploi et votre capacit\u00e9 de paiement. Cette \u00e9tape permet de d\u00e9terminer quel type de pr\u00eat est r\u00e9aliste et quel montant de paiement mensuel est s\u00e9curitaire pour votre budget.<\/li>\n<li data-section-id=\"masu4l\" data-start=\"1281\" data-end=\"1634\">Solutions pour reb\u00e2tir votre cr\u00e9dit : Un pr\u00eat auto bien g\u00e9r\u00e9 apr\u00e8s une remise volontaire est un outil efficace pour reconstruire votre historique de cr\u00e9dit. Chaque paiement effectu\u00e9 \u00e0 temps am\u00e9liore votre cote de cr\u00e9dit, vous permet de montrer aux pr\u00eateurs votre fiabilit\u00e9 et ouvre la voie \u00e0 des taux d\u2019int\u00e9r\u00eat plus avantageux dans le futur.<\/li>\n<li data-section-id=\"3w3yrs\" data-start=\"1635\" data-end=\"1999\">Financement personnalis\u00e9 et flexible : Nous offrons des solutions adapt\u00e9es \u00e0 votre situation, incluant parfois la possibilit\u00e9 d\u2019un endosseur (co-emprunteur) si votre dossier seul n\u2019est pas suffisant. L\u2019endosseur doit avoir un dossier solide et r\u00e9sider \u00e0 la m\u00eame adresse que l\u2019acheteur, renfor\u00e7ant ainsi la cr\u00e9dibilit\u00e9 de la demande aupr\u00e8s de la banque.<\/li>\n<li data-section-id=\"5vtjzf\" data-start=\"2000\" data-end=\"2293\">Accompagnement sur toutes les d\u00e9marches : Nous nous occupons de tout le processus : soumission de votre dossier aux institutions financi\u00e8res, calcul des paiements mensuels, signature des contrats l\u00e9gaux et remise du v\u00e9hicule. Cela garantit une exp\u00e9rience simple, rapide et sans stress.<\/li>\n<\/ul>\n<p data-start=\"2295\" data-end=\"2358\">Conseils pratiques pour g\u00e9rer l\u2019apr\u00e8s-remise volontaire :<\/p>\n<ul data-start=\"2360\" data-end=\"3188\">\n<li data-section-id=\"1m454ix\" data-start=\"2360\" data-end=\"2584\">Communiquez rapidement avec votre pr\u00eateur pour explorer toutes les options possibles avant et apr\u00e8s la remise. Une discussion proactive peut parfois permettre d\u2019\u00e9viter la remise ou de n\u00e9gocier un plan plus favorable.<\/li>\n<li data-section-id=\"14dea6w\" data-start=\"2585\" data-end=\"2758\">\u00c9tablissez un budget r\u00e9aliste : analysez vos finances et planifiez vos d\u00e9penses pour garantir des paiements ponctuels et \u00e9viter de nouvelles difficult\u00e9s financi\u00e8res.<\/li>\n<li data-section-id=\"1v9g20p\" data-start=\"2759\" data-end=\"2942\">Reb\u00e2tissez votre cr\u00e9dit progressivement : effectuez vos paiements \u00e0 temps, \u00e9vitez de prendre plusieurs dettes simultan\u00e9ment et respectez vos obligations financi\u00e8res actuelles.<\/li>\n<li data-section-id=\"13dt5kn\" data-start=\"2943\" data-end=\"3188\">Cherchez un accompagnement professionnel : b\u00e9n\u00e9ficier de l\u2019expertise d\u2019un concessionnaire autoris\u00e9 ou d\u2019un sp\u00e9cialiste en financement auto permet de maximiser vos chances d\u2019obtenir un financement adapt\u00e9, m\u00eame apr\u00e8s une remise volontaire.<\/li>\n<\/ul>\n<p data-start=\"3190\" data-end=\"3304\">Avec un plan structur\u00e9 et un accompagnement professionnel, un client ayant v\u00e9cu une remise volontaire peut :<\/p>\n<ul data-start=\"3306\" data-end=\"3598\">\n<li data-section-id=\"1oru2mo\" data-start=\"3306\" data-end=\"3373\">Reprendre le contr\u00f4le de ses finances et reb\u00e2tir son cr\u00e9dit<\/li>\n<li data-section-id=\"128035x\" data-start=\"3374\" data-end=\"3464\">Rester admissible \u00e0 des financements futurs pour des v\u00e9hicules neufs ou d\u2019occasion<\/li>\n<li data-section-id=\"xtmwum\" data-start=\"3465\" data-end=\"3529\">Profiter de conditions de paiement adapt\u00e9es \u00e0 son budget<\/li>\n<li data-section-id=\"fx5hw3\" data-start=\"3530\" data-end=\"3598\">Acc\u00e9der \u00e0 des taux d\u2019int\u00e9r\u00eat plus avantageux au fil du temps<\/li>\n<\/ul>\n<p data-start=\"3600\" data-end=\"3989\">Chez Pr\u00eat Auto Qu\u00e9bec, notre objectif est de proposer des solutions sur mesure pour tous les profils : que vous ayez un cr\u00e9dit normal, un mauvais cr\u00e9dit, ou que vous ayez d\u00e9j\u00e0 v\u00e9cu une remise volontaire, nous vous accompagnons pour obtenir le financement qui correspond \u00e0 vos besoins tout en vous aidant \u00e0 reb\u00e2tir votre sant\u00e9 financi\u00e8re et \u00e0 retrouver votre autonomie automobile.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-13 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:120px;--awb-padding-bottom:120px;--awb-margin-top:120px;--awb-background-color:#00559b;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_75_23004%29%22%20fill%3D%22rgba%2838%2C70%2C83%2C1%29%22%3E%3Cpath%20d%3D%22M2351.91%20237.689l-852.66-492.288-412.33%20714.165%20852.67%20492.288%20412.32-714.165zM1936.18%20957.764l-852.67-492.287-54.86%2095.015%20852.67%20492.288%2054.86-95.016zM1874.49%201064.6l-852.66-492.286-46.452%2080.454%20852.672%20492.292%2046.44-80.46zM1814.38%201168.72L961.712%20676.436l-30.743%2053.248%20852.671%20492.286%2030.74-53.25zM1763.15%201257.46L910.479%20765.174%20889.507%20801.5l852.663%20492.29%2020.98-36.33zM1714.85%201341.11L862.185%20848.824l-16.461%2028.51%20852.666%20492.286%2016.46-28.51zM1664.23%201428.78L811.568%20936.496l-10.796%2018.698%20852.668%20492.286%2010.79-18.7zM1612.45%201518.47l-852.666-492.28-6.215%2010.76%20852.671%20492.29%206.21-10.77zM1558.42%201612.05l-852.663-492.28-2.599%204.5%20852.662%20492.29%202.6-4.51z%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_75_23004%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.25 ;transform: scale(-1, -1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-23 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:20px;--awb-padding-left-medium:30px;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"--awb-text-color:#ffffff;--awb-font-size:45px;\"><h6 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:45;line-height:0.67;\"><h6>Obtenez votre cr\u00e9dit auto apr\u00e8s une remise volontaire<\/h6><\/h6><\/div><div class=\"fusion-text fusion-text-13\" style=\"--awb-font-size:18px;--awb-line-height:1.6;--awb-letter-spacing:0px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:#ffffff;--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><div class=\"flex-1 overflow-hidden\">\n<div class=\"react-scroll-to-bottom--css-awfvm-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-awfvm-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-19\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-&#091;40rem&#093; xl:max-w-&#091;48rem&#093; group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-&#091;calc(100%-115px)&#093; agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-&#091;20px&#093; text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words &#091;.text-message+&amp;&#093;:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"dd1eb7cb-0083-4215-9c53-c6ccd381cc60\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<p>Collaborant avec plus de 18 institutions financi\u00e8res partenaires, nous sommes les experts en financement automobile au Qu\u00e9bec. Notre inventaire compte plus de 1000 v\u00e9hicules d&rsquo;occasion pour satisfaire vos exigences. Nous proposons des solutions de financement pour la 1re, 2e, 3e et 4e chance au cr\u00e9dit, avec la possibilit\u00e9 de recourir \u00e0 un pr\u00eateur priv\u00e9.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"--awb-text-color:#ffffff;--awb-font-size:30px;\"><h6 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1;\">Nous pouvons vous aider.<\/h6><\/div><ul style=\"--awb-textcolor:#ffffff;--awb-line-height:34px;--awb-icon-width:34px;--awb-icon-height:34px;--awb-icon-margin:14px;--awb-content-margin:48px;--awb-circlecolor:#38b6ff;--awb-circle-yes-font-size:17.6px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Mauvais cr\u00e9dit et retards de paiements.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Proposition et faillite.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Remise volontaire et saisie.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"react-scroll-to-bottom--css-giymb-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-giymb-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-31\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-&#091;40rem&#093; xl:max-w-&#091;48rem&#093; group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-&#091;calc(100%-115px)&#093; agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-&#091;20px&#093; text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words &#091;.text-message+&amp;&#093;:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"eb532479-85f7-4e71-89e5-2075120b7f0f\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<p>Refus\u00e9 \u00e0 de nombreuses reprises.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Etc.<\/p>\n<\/div><\/li><\/ul><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:10px;width:100%;\"><\/div><div class=\"fusion-social-links fusion-social-links-1\" style=\"--awb-margin-top:30px;--awb-margin-right:0px;--awb-margin-bottom:0px;--awb-margin-left:0px;--awb-box-border-top:0px;--awb-box-border-right:0px;--awb-box-border-bottom:0px;--awb-box-border-left:0px;--awb-icon-colors-hover:#ffffff;--awb-box-colors-hover:#ff7452;--awb-box-border-color:#00559b;--awb-box-border-color-hover:#ff7452;\"><div class=\"fusion-social-networks boxed-icons color-type-custom\"><div class=\"fusion-social-networks-wrapper\"><a class=\"fusion-social-network-icon fusion-tooltip fusion-facebook awb-icon-facebook\" style=\"color:#38b6ff;font-size:18px;width:18px;background-color:#00559b;border-color:#00559b;border-radius:0px;\" data-placement=\"top\" data-title=\"Facebook\" data-toggle=\"tooltip\" title=\"Facebook\" aria-label=\"facebook\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.facebook.com\/profile.php?id=100090182529600\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-twitter awb-icon-twitter\" style=\"color:#38b6ff;font-size:18px;width:18px;background-color:#00559b;border-color:#00559b;border-radius:0px;\" data-placement=\"top\" data-title=\"Twitter\" data-toggle=\"tooltip\" title=\"Twitter\" aria-label=\"twitter\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/twitter.com\/PretAutoQuebec\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-instagram awb-icon-instagram\" style=\"color:#38b6ff;font-size:18px;width:18px;background-color:#00559b;border-color:#00559b;border-radius:0px;\" data-placement=\"top\" data-title=\"Instagram\" data-toggle=\"tooltip\" title=\"Instagram\" aria-label=\"instagram\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.instagram.com\/pretautoquebec\/\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-tiktok awb-icon-tiktok\" style=\"color:#38b6ff;font-size:18px;width:18px;background-color:#00559b;border-color:#00559b;border-radius:0px;\" data-placement=\"top\" data-title=\"Tiktok\" data-toggle=\"tooltip\" title=\"Tiktok\" aria-label=\"tiktok\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.tiktok.com\/@pretautoquebec\"><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-left:30px;--awb-padding-top-medium:60px;--awb-padding-right-medium:30px;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form fusion-form-builder fusion-form-form-wrapper fusion-form-3779 has-icon-alignment\" style=\"--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-tooltip-text-color:#ffffff;--awb-tooltip-background-color:#333333;--awb-form-input-height:60px;--awb-form-bg-color:rgba(255,255,255,0);--awb-form-select-bg:var(--awb-color8);--awb-form-font-size:18px;--awb-form-placeholder-color:#d8d8d8;--awb-form-text-color:#ffffff;--awb-form-label-color:#ffffff;--awb-form-border-width-top:0px;--awb-form-border-width-right:0px;--awb-form-border-width-left:0px;--awb-form-border-color:rgba(255,255,255,0.5);--awb-form-focus-border-color:hsla(0,100%,71%,1);--awb-form-focus-border-hover-color:rgba(255,107,107,0.5);--awb-form-border-radius:0px;--awb-icon-alignment-top:0px;--awb-icon-alignment-bottom:1px;--awb-icon-alignment-font-size:18px;\" data-form-id=\"3779\" data-config=\"{&quot;form_id&quot;:&quot;3779&quot;,&quot;form_post_id&quot;:&quot;3779&quot;,&quot;post_id&quot;:284565,&quot;form_type&quot;:&quot;ajax&quot;,&quot;confirmation_type&quot;:&quot;message&quot;,&quot;redirect_url&quot;:&quot;&quot;,&quot;field_labels&quot;:{&quot;Nom&quot;:&quot;&quot;,&quot;E-mail&quot;:&quot;&quot;,&quot;Phone&quot;:&quot;&quot;,&quot;Besoin&quot;:&quot;&quot;,&quot;Message&quot;:&quot;&quot;,&quot;&quot;:&quot;&quot;},&quot;field_logics&quot;:{&quot;notice_2&quot;:&quot;&quot;,&quot;Nom&quot;:&quot;&quot;,&quot;E-mail&quot;:&quot;&quot;,&quot;Phone&quot;:&quot;&quot;,&quot;Besoin&quot;:&quot;&quot;,&quot;Message&quot;:&quot;&quot;,&quot;&quot;:&quot;&quot;},&quot;field_types&quot;:{&quot;notice_2&quot;:&quot;notice&quot;,&quot;Nom&quot;:&quot;text&quot;,&quot;E-mail&quot;:&quot;text&quot;,&quot;Phone&quot;:&quot;text&quot;,&quot;Besoin&quot;:&quot;select&quot;,&quot;Message&quot;:&quot;textarea&quot;,&quot;&quot;:&quot;consent&quot;,&quot;submit_2&quot;:&quot;submit&quot;},&quot;nonce_method&quot;:&quot;ajax&quot;}\"><form action=\"https:\/\/www.pretautoquebec.ca\/en\/financement-auto-apres-une-remise-volontaire-de-vehicule\/\" method=\"post\" class=\"fusion-form fusion-form-3779\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-13-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:rgba(56,182,255,0.39);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-25 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-color:rgba(16,83,239,0);--awb-bg-color-hover:rgba(16,83,239,0);--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"form-submission-notices data-notice_2\" id=\"fusion-notices-2\"><div class=\"fusion-alert alert success alert-success fusion-alert-center fusion-form-response fusion-form-response-success awb-alert-native-link-color alert-dismissable awb-alert-close-boxed alert-shadow\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"alert-icon\"><i class=\"awb-icon-check-circle\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-alert-content\">Nous avons re\u00e7u votre message et prendrons contact avec vous prochainement. Merci.<\/span><\/div><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-label=\"Close\">&times;<\/button><\/div><div class=\"fusion-alert alert error alert-danger fusion-alert-center fusion-form-response fusion-form-response-error awb-alert-native-link-color alert-dismissable awb-alert-close-boxed alert-shadow\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"alert-icon\"><i class=\"awb-icon-exclamation-triangle\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-alert-content\">Une erreur s'est produite lors de la tentative d'envoi de votre message. Veuillez r\u00e9essayer ult\u00e9rieurement.<\/span><\/div><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-label=\"Close\">&times;<\/button><\/div><\/div><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-user fas\"><\/i><input type=\"text\" name=\"Nom\" id=\"Nom\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Nom complet*\" data-holds-private-data=\"false\" minlength=\"0\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-at fas\"><\/i><input type=\"text\" name=\"E-mail\" id=\"E-mail\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Courriel*\" data-holds-private-data=\"false\" minlength=\"0\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div class=\"fusion-form-input-with-icon\"><i class=\"awb-form-icon fa-phone-alt fas\"><\/i><input type=\"text\" name=\"Phone\" id=\"Phone\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"T\u00e9l\u00e9phone*\" data-holds-private-data=\"false\" minlength=\"0\"\/><\/div><\/div><div class=\"fusion-form-field fusion-form-select-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div class=\"fusion-form-input-with-icon\"><i class=\" fa-concierge-bell fas\"><\/i><div class=\"fusion-select-wrapper\"><select tabindex=\"\" id=\"Besoin\" name=\"Besoin\" class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" data-holds-private-data=\"false\"><option value=\"\" disabled selected>Votre besoin<\/option><option value=\"Acheter un v\u00e9hicule en inventaire\" >Acheter un v\u00e9hicule en inventaire<\/option><option value=\"Pr\u00eat auto bon cr\u00e9dit\" >Pr\u00eat auto bon cr\u00e9dit<\/option><option value=\"Pr\u00eat auto 2e chance au cr\u00e9dit\" >Pr\u00eat auto 2e chance au cr\u00e9dit<\/option><option value=\"Pr\u00eat auto 3e chance au cr\u00e9dit\" >Pr\u00eat auto 3e chance au cr\u00e9dit<\/option><option value=\"Pr\u00eat auto 4e chance au cr\u00e9dit\" >Pr\u00eat auto 4e chance au cr\u00e9dit<\/option><option value=\"Pr\u00eat auto pour l'achat de v\u00e9hicule entre particuliers\" >Pr\u00eat auto pour l'achat de v\u00e9hicule entre particuliers<\/option><option value=\"Autre\" >Autre<\/option><\/select><div class=\"select-arrow\"><svg width=\"12\" height=\"8\" viewBox=\"0 0 12 8\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"> <path d=\"M1.5 1.75L6 6.25L10.5 1.75\" stroke=\"#6D6D6D\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/> <\/svg><\/div><\/div><\/div><\/div><div class=\"fusion-form-field fusion-form-textarea-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div class=\"fusion-form-input-with-icon\"><i class=\" fa-comment-alt fas\"><\/i><textarea cols=\"40\"  minlength=\"0\"  rows=\"4\" tabindex=\"\" id=\"Message\" name=\"Message\" class=\"fusion-form-input\" placeholder=\"Message\" data-holds-private-data=\"false\"><\/textarea><\/div><\/div><div class=\"fusion-form-field fusion-form-consent-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><p><p style=\"color: white ;\">\nPar la pr\u00e9sente, en soumettant cette demande, je confirme avoir pris connaissance de la \n<a href=\"https:\/\/www.pretautoquebec.ca\/politique-de-confidentialite\/\" target=\"_blank\" style=\"color: white; text-decoration: underline;\">\npolitique de confidentialit\u00e9\n<\/a> et j\u2019accepte que <strong>Pr\u00eat Auto Qu\u00e9bec et son \u00e9quipe<\/strong> puissent me contacter afin de traiter ma demande et me fournir des informations concernant leurs services.\n<\/p><\/p><input name=\"\" type=\"hidden\" value=\"1\"\/><\/div><div class=\"fusion-form-field fusion-form-submit-field fusion-form-label-above\" style=\"\" data-form-id=\"3779\"><div ><button type=\"submit\" class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-7 fusion-button-default-span  form-form-submit button-default\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:#38b6ff;--button_gradient_bottom_color:#38b6ff;--button_gradient_top_color_hover:#00559b;--button_gradient_bottom_color_hover:#00559b;\" data-form-number=\"3779\" tabindex=\"\"><span class=\"fusion-button-text\">Envoyer <\/span><\/button><\/div><\/div><\/div><\/div><\/div><\/div><\/form><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":284567,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[438],"tags":[9894,9889,9888,9890,9895,9893,9891,9892],"class_list":["post-284565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-auto","tag-auto-remise-volontaire","tag-credit-auto-apres-une-remise-volontaire-de-vehicule","tag-financement-auto-apres-une-remise-volontaire-de-vehicule","tag-pret-auto-apres-une-remise-volontaire-de-vehicule","tag-remise-volontaire","tag-remise-volontaire-auto","tag-remise-volontaire-voiture","tag-voiture-remise-volontaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule - PR\u00caT AUTO QU\u00c9BEC<\/title>\n<meta name=\"description\" content=\"Financement auto apr\u00e8s une remise volontaire de v\u00e9hicule. 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