How to get an easy car loan with bad credit in Victoria

You have a few options to get a car loan in Victoria, BC:

  • Going to the bank may take a couple of appointments and weeks to finalize.
  • Going directly to a dealership is more immediate; when you find a car you like, the dealership will immediately process the financing. Dealerships use the same banks you would visit, but you avoid the lengthy process.

The only challenge of working with any dealership is that they may not be set up to assist various credit situations with their financing system. For example, Canadians who have imperfect credit may be rejected for financing because the dealership may not be equipped to secure approval. That is why we have created the smartest system available in Canada.

Canada Drives will match you with a dealership that is equipped to handle your credit situation, saving you wasted time hopping from dealer to dealer to find the right one.

Ready to get approved? 

Simply fill out our online application; it's free, only takes 2 minutes to complete, and we only ask for information we need to determine the best vehicle options near you.

Our specialists can help when most lenders can’t, which has allowed us to approve thousands of Canadians with bad credit.

How we help when others cannot:

  • We only work with experienced lenders that specialize in approving loans for customers who don’t have good credit.
  • Dedicated staff with years of experience in helping customers with bad credit or other challenging credit situations.
  • 350+ dealership partners (and several in your area) with a large inventory of new & used vehicles in your area to fit your budget.
  • Plenty of zero down and low monthly payment options, even for bad credit situations!

Canada Drives is here to help!

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 loan: Everyone has to start somewhere!
  • Bankruptcy: Starting fresh is a good thing, 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.
  • New to the country: Welcome! Many Victoria residents weren’t born in Canada – we can help!

There are a variety of reasons why someone has poor credit. No matter what the situation is, we can help you!

How can I get approved for a car loan near me?

We don't just serve Victoria, BC. Canada Drives can find the right vehicle for you no matter where you live on Vancouver Island. Whether you live in Victoria, near Victoria, or nowhere close to Victoria, simply complete our 2-minute application, we’ll match you with a dealership that can handle any credit situation.

We support all areas of British Columbia. Apply today and enjoy lightning-fast approval in:

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 West Kelowna, 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

How do I apply for a car loan with Canada Drives?

At Canada Drives, we believe that the loan application process should be quick and easy. Are you ready to apply? You could be driving your new vehicle within 48 hours! Here’s how it works.

  1. You decide what kind of car you want and what your budget allows for. You can use our Car Loan Calculator to figure out your monthly payments. You don’t need to know your credit score before applying, but if you're interested, you can learn your credit score for FREE at sites like Borrowell.
  2. If you're not sure what you can afford, you can skip step one, and complete our fast online application. It’s FREE to apply, only takes 2 minutes, and is 100% secure. We DO NOT NEED your Social Insurance Number (SIN).
  3. Once we review your application, we'll match your profile with a certified dealership in your area with a variety of vehicles to match your budget and needs.
  4. Then, all you have to do is pick a vehicle you love!

Join thousands of Canadians who didn't let their bad credit history win.

Apply online for a car loan in minutes, and get approved within 24 hours.

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
1-888-865-6402