Estimate Your Monthly Payment
Adjust the sliders to see what you could pay per month. Rates vary by credit — this uses 8.99% over 72 months as a starting estimate.
Estimated Monthly Payment
$279/mo
OAC · Rate varies by credit situation · 72-month term
Vehicles with the highest approval rates
for bad credit in BC.
The loan amount matters as much as your credit score. Vehicles under \$18,000 have dramatically higher approval rates because lenders face less risk. These are the top picks.
\$279 /mo OAC
2019–2021 Toyota Corolla
SedanFWDReliable
The most approved vehicle for bad credit buyers in BC. Cheap to insure, cheap to maintain, lenders love the resale value.
Get Approved →\$289 /mo OAC
2020–2022 Honda Civic
SedanFWDLow Mileage
Strong resale value and low running costs. Lenders are comfortable approving bad credit for Civics because of their reliability track record.
Get Approved →\$259 /mo OAC
2019–2021 Hyundai Elantra
SedanFWDBudget
Lower price point means lower loan amount and higher approval rate. A solid, reliable vehicle that specialist lenders approve regularly.
Get Approved →\$279 /mo OAC
2018–2020 Dodge Grand Caravan
MinivanFWDFamily
The most affordable family hauler in BC. Lower price means more lenders approve it even with challenged credit. Great for families.
Get Approved →Why do some vehicles get approved more than others?
Lenders assess the risk of the vehicle alongside the risk of the borrower. A vehicle with strong resale value is easier to repossess and recover value from, which means lenders are more willing to approve it even for bad credit buyers. This is why Japanese sedans and older model minivans have higher approval rates than luxury vehicles or heavy trucks.
What credit score do I need for these vehicles in BC?
For the vehicles listed above, Easy Ride Canada has approved buyers with scores as low as 450–500 through our specialist lenders. The exact rate depends on your income and current situation, but a score alone is never an automatic disqualifier.
What about SUVs for bad credit buyers?
Compact SUVs like the Kia Sportage, Hyundai Tucson, and older Toyota RAV4 also have good approval rates. Payments typically start around \$320–\$380/month. See our under \$400/month guide for the full list. For all bad credit financing options, visit our bad credit car loans BC page.