Bad credit car loans in British Columbia
From the Lower Mainland to the Okanagan and the North, we approve British Columbians with bad credit, no credit, new-to-Canada status or past bankruptcy, and deliver the vehicle to you free of charge.
Free delivery
We deliver free anywhere in British Columbia. No trip to the dealership required.
Sales tax in British Columbia
Dealer vehicle sales in BC pay 5% GST plus 7% PST on vehicles under $55,000; higher-priced vehicles pay a higher PST rate.
Example: a $20,000 vehicle pays about $2,400 in tax (12%). Your exact amount appears on your bill of sale.
Insurance & registration
Basic Autoplan insurance comes from ICBC and is required before you drive. You can buy it through any Autoplan broker once your vehicle is ready.
Registration and plates are issued through an ICBC Autoplan broker at the same time as your insurance.
Who we help in British Columbia
- Bad credit or low credit scores
- No credit history yet
- New to Canada
- Past bankruptcy or consumer proposal
- Self-employed or gig income
- Divorce or a fresh start
What to have ready
- Valid driver's licence
- Recent proof of income (pay stubs or bank statements)
- Proof of address, such as a utility bill
- Insurance arranged before you drive
Not sure what fits your budget? Try the payment calculator using British Columbia's 12% tax, or shop by monthly payment.
How it works
- 01
Take the 60-second credit quiz online from anywhere in British Columbia.
- 02
We work with our lenders to find your best approval and help you choose a vehicle.
- 03
We deliver it to your door in British Columbia, free.