All 360 Approvals programs Bad Credit Car Loans · British Columbia

Bad credit.
New chapter.

Real approvals across BC — even when the bank, the dealership, and the credit card company have all said no.

If you've been turned down before, you know how it feels — getting handed a "pre-approval" only to be told sorry, your credit doesn't qualify. That ends here. 360 Approvals approves on your full picture: income, stability, and the vehicle that fits your budget. Not just a three-digit number from a bad year.

Get Approved Today

No SIN required to start

Soft credit check only

9 in 10

Of the British Columbians who walk through our door with sub-600 credit, the vast majority drive home in a vehicle they were told they couldn't get. Bad credit isn't a verdict — it's a chapter. Let's start the next one.

How approval works

Three steps. No surprises.

We've moved every part of the process that makes bad-credit applicants feel small — out the door.

60-second application

No SIN required to start. Tell us about your vehicle preference, budget, and the basics of your financial picture. Soft credit check only — invisible to other lenders, zero impact to your score.

Human review, not algorithm

A real person on our team reviews your application and matches it against our network of 10+ Canadian lenders. We shop your file across all of them in parallel — you only apply once.

Pick your vehicle. Drive.

Approved? We walk you through the vehicles in our transparent-priced inventory that fit your approval. No haggling, no surprise fees, no "let me talk to my manager" theatre.

What you'll need

Documents to bring

No SIN required to start your application. These come in once we begin matching you to lenders — bring what you have, we'll guide you through what's missing.

Government photo IDBC Driver's License, BCID, or passport. We'll verify identity at the dealership.
Proof of incomeRecent pay stubs, T4, or 90 days of bank statements showing direct deposits. Self-employed? See our self-employed program.
Proof of addressA utility bill, lease agreement, or bank statement from the last 90 days at your current BC address.
Two personal referencesFriends, family, or employer — names and phone numbers. We may verify, never solicit.

Don't have everything? Apply anyway. We'll review what you have, tell you exactly what's missing, and most situations have a workaround. Calling us is always free.

Why bad-credit customers choose 360 Approvals

The bank's "no." vs. our "yes."

Traditional bank or big-box dealer

Auto-decline below a credit floor — no human looks at your file
Hard inquiry on submission, dropping your score further
Sales team paid on commission — incentive to upsell beyond your budget
Surprise fees and rate hikes at the closing table

360 Approvals

Real human reviews every application — no algorithmic auto-decline
Soft credit check at application — zero impact to your score
Salaried staff — paid to find the right fit, not the biggest commission
Transparent pricing — what you see in writing is what you sign

Bad credit — common questions

What you're probably wondering.

Real answers to the questions bad-credit applicants ask before applying. No fine print buried at the bottom.

Will applying with bad credit hurt my score further?

No. Our pre-qualification uses a soft credit check, which is invisible to other lenders and has zero impact on your score. A hard inquiry only happens once you accept a final offer — at which point the lender pulls a single bureau, not all three.

What's the minimum credit score you'll work with?

There isn't a hard floor. We've approved customers with scores below 500 — what matters more is steady income, stable address, and matching the right vehicle to your budget. If you're worried about a specific number, call us before applying.

Do I need a co-signer?

Most of our bad-credit customers get approved without one. A co-signer can help unlock better rates or a higher loan amount if your situation is tight, but it's never the first thing we look for.

How fast can I be driving?

Many customers are pre-approved within an hour of applying and driving the same week. Exact timing depends on how quickly we receive your documents and which vehicle you choose.

Will this loan help me rebuild my credit?

Yes — if you make payments on time. Our partner lenders report monthly to Equifax and TransUnion, so on-time payments steadily lift your score. Many customers see meaningful improvement within 12 months.

What kinds of vehicles can I qualify for?

We focus on reliable, well-maintained pre-owned vehicles — cars, SUVs, trucks, and vans across a wide range of makes. Once you're pre-approved we'll walk you through what fits your budget and approval terms.

What if I'm currently in bankruptcy or a consumer proposal?

That's a different program — see our bankruptcy & consumer proposal page. We help active and discharged customers across BC.

Ready for a real approval?

60 seconds. No SIN required. No commitment. No impact to your credit. Even when the bank said no.