Most British Columbians can't get a car loan from their bank — and the reasons fall into one of five stories. Find yours below. We've built an approval path for each.
Score below 600? Late payments, missed bills, collections in the rearview mirror? We approve real people on their full picture, not just one bad year.
See bad-credit program →First-time borrower, recent grad, student, cash-economy worker, or simply never built credit before. Your auto loan becomes your first credit story.
See no-credit program →PR, work permit, study permit, recent COPR — any visa type, any timeframe in Canada. International credit accepted.
See newcomer program →Contractor, freelancer, gig worker, sole prop, or incorporated business. T1, NOA, business statements, and platform deposits all count.
See self-employed program →Active proposal or fully discharged bankruptcy. Trustee approvals coordinated where required. Building back, one approved chapter at a time.
See bankruptcy program →Apply directly. We'll match you to the right program — and the right lender — in 60 seconds.
