Bad credit car loans in Victoria
Victoria buyers can shop and apply online from Vancouver Island. Whether you need a compact car for city trips or more room for family travel, we work with our lenders and arrange free delivery to Victoria.
Free delivery
Free delivery to Victoria on Vancouver Island. Delivery arrangements are confirmed with you before the vehicle leaves.
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 Victoria
- 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 Victoria.
- 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 Victoria, free.