How to get a car loan with bad credit or no credit in BC!

When you need a car to get from A to B, bad credit shouldn't be an obstacle. That's why we're here. Canada Drives® makes auto finance easy and our advanced analytics go beyond credit scores! With our technology, we can help you find a new car and an affordable loan within 48 hours! You don't need go hopping from bank to private seller to dealership anymore; save yourself the time and stress!

As the premier bad credit car loan specialists in Canada, we’re partnered with dozens of certified dealerships and most of the top lenders in British Columbia. We'll connect you directly to trusted lenders and certified dealerships that know how to help bad credit customers.

Whatever your situation, we have the solution to help you get behind the wheel of a new car and building credit again!

How Canada Drives® helps bad credit customers in British Columbia!

Bad credit is more common than you think it is, and we’ve helped over ONE MILLION CANADIANS find reliable vehicles with affordable auto financing. We specialize in helping credit-challenged individuals facing:

  • Missed Payments: Most people have missed a payment or two in their lifetime.
  • No Credit /First-time Borrower: Everyone has to start somewhere; why not start with an affordable car loan?
  • Bankruptcy or Consumer Proposal: Start fresh and build your credit faster by making payments on a great vehicle.
  • Divorce: It happens to more than 35% of marriages.
  • Repossessions: Got a bad deal? Ran into hard times? It happens. We can help!
  • New to Canada: Welcome! Many BC residents weren’t born in Canada.

What if I live outside the major BC cities?

Whether you live in downtown Vancouver or the boonies of Salmon Arm, we can work with you! We serve all regions of British Columbia:

Abbotsford, BC Langford, BC Prince Rupert, BC
Burnaby, BC Langley, BC Richmond, BC
Campbell River, BC Maple Ridge, BC Saanich, BC
Central Saanich, BC Mission, BC Salmon Arm, BC
Chilliwack, BC Nanaimo, BC Sidney, BC
Coldstream, BC New Westminster, BC Sooke, BC
Colwood, BC North Cowichan, BC Squamish, BC
Comox, BC North Saanich, BC Summerland, BC
Coquitlam, BC North Vancouver, BC Surrey, BC
Courtenay, BC Oak Bay, BC Terrace, BC
Cranbrook, BC Parksville, BC Vancouver, BC
Dawson Creek, BC Penticton, BC Vernon, BC
Delta, BC Pitt Meadows, BC Victoria, BC
Esquimalt, BC Port Alberni, BC West Vancouver, BC
Fort St. John, BC Port Coquitlam, BC White Rock, BC
Kamloops, BC Port Moody, BC Williams Lake, BC
Kelowna, BC Powell River, BC
Lake Country, BC Prince George, BC

Are you ready to get behind the wheel of a new daily driver? Click here to apply online now and get approved today!

Alisa couldn't believe the fast response and level of customer service that she received at Canada Drives:

"I got my beautiful 2011 Ford Fiesta through Canada Drives! I had such a pleasant experience, I was contacted the day after I sent off my application by Pat, who did everything he could to make sure I got the vehicle I would love and the best rates! He even arranged for the car to be driven to me so I would not have to make the trip up-island! I absolutely love my car (I have named her Luna) and can't thank you all enough!

Thank you so much for all your help. You walked me through everything and made me very comfortable. I will be back but not soon as I love my new car. Thanks again!"

Our bad credit programs make auto financing easy

Get approved in a few simple steps! Here’s how it works:

    • Complete our fast online application. It’s FREE to apply, only takes 2 minutes, and is 100% secure. We’ll ask for some basic details such as employment and contact details. We DO NOT NEED your Social Insurance Number (SIN).
    • We match you with a dealership in British Columbia that specializes in bad credit auto loans.
    • Once you get pre-approved, one of our consultants will go over all of your car loan options.
    • Our experienced finance consultants will help find you the most affordable deal. Your consultant will also go over your free credit report with you and offer free advice and tips on improving your credit.
    • Within 48 hours of applying, you will be connected with thousands of cars, trucks, vans and SUVs to choose from. Then, simply pick your vehicle and drive away!

And the best part about our service? It's FREE!

How do I qualify for a BC bad credit car loan?

The minimum requirements are simple:

  • Are you at least 18 years old? 
  • Do you have a driver’s license?
  • Do you work full time? 

If your answers to these questions are YES, apply online, and let us handle the rest! Your bad credit car loan is just a few mouse clicks away! It really is that easy!

Pro tip: Make sure to ask your dealer about our zero down options!

Apply for Your Car Loan

Your online application takes only 3 minutes to complete and we only ask for information we actually need.

Get Approved Today

Or feel free to call us at