Now accepting applications across BC

Every Angle. Every credit story.

360 Approvals connects BC drivers with lenders who see the full picture. Transparent terms. Real people. No shame attached.

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10+ Canadian lenders
Soft credit check — zero impact to your score
Your rate disclosed before you sign
A smiling man holds up his new car keys while shaking hands with a finance advisor on a dealership lot
Your situation

Your credit history is a starting point. Not a verdict.

Tell us where you are. We know which lenders work with real credit situations — and we'll find the right one for yours.

01
Bruised credit

Missed payments, collections, or a score that doesn't tell the whole story

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02
No credit yet

First-time buyer, young adult, or building from zero

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03
New to Canada

PR, work permit, or newcomer status — no Canadian credit history required

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04
Self-employed

T1, NOA, gig work, or seasonal employment

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05
Fresh start

Active bankruptcy, discharged, or consumer proposal — we have lenders for both

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Not sure where you fit? Start anyway — we'll figure it out together
How it works

Straightforward from start to drive.

No SIN required to start. No hard pull on your credit until you say so. Nothing hidden at the desk.

1
~60 seconds

Tell us your situation

Two minutes on your phone. No SIN required to start. Completely confidential — we listen before we act.

2
Under 1 hour

We go to work

Our team shops your file across 10+ Canadian lenders who work with real credit situations. Soft check only — zero impact to your score.

3
Often same day

You choose. You drive.

Pick a vehicle that fits your life and your budget. The paperwork is handled. The rate you were quoted is the rate you sign.

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Our lender network

The top lenders in your corner.

You apply once. We take your file to our full network and find the lender who's built for your situation — not the other way around.

Common questions

Honest answers. No runaround.

Will applying hurt my credit?
No. We start with a soft credit check, which has zero impact on your score. You'll know your options before any lender does a hard pull — and we'll always ask before that step happens.
What if I'm in active bankruptcy or a consumer proposal?
It's possible. We have lenders who specifically work with customers in active bankruptcy or consumer proposals. Apply and we'll tell you exactly where you stand within an hour during business hours — no guessing.
Do I need a co-signer?
Most of our customers don't. Our lenders look at your full picture — income, stability, and employment — not just a number. If a co-signer would improve your options, we'll tell you upfront. We won't spring it on you at the desk.
How fast can I be approved and drive away?
Pre-approval is usually under 1 hour during business hours. Once you've chosen a vehicle, paperwork is handled the same day in most cases. Many of our customers drive away the day they apply.
What kind of vehicles are available?
Cars, SUVs, trucks, and vans — a wide range of makes and model years. Once you're pre-approved we'll show you every vehicle that fits your budget. No pressure, no upselling.
What income do I need to qualify?
Most lenders we work with require approximately $1,800/month in verifiable income. Self-employment (T1/NOA), gig work, EI, and disability income are all considered. You don't need a T4.

Your next vehicle is waiting.

2 minutes to apply. No SIN required. No commitment. Zero impact to your credit score.

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