Yes, you can get a car loan after bankruptcy in Canada. In fact, getting a car loan is one of the fastest ways to start rebuilding your credit after discharge. Easy Ride Canada works with specialty lenders who approve post-bankruptcy applicants daily — including those discharged as recently as one month ago. The approval process looks at your current income and employment stability, not just your bankruptcy history.
🔒 Free · No hard credit pull · No obligation
Bankruptcy typically drops your score to 300–400 range. It stays on your credit report for 6–7 years after discharge.
Every major bank auto-declines applications with active or recent bankruptcy. Dealerships with 1–2 bank relationships can’t help either.
30+ lenders in our network work specifically with post-bankruptcy borrowers. They evaluate your current situation, not just your past.
Each on-time car loan payment reports to Equifax and TransUnion. Many bankruptcy borrowers reach near-prime status within 2–3 years of consistent payments.
Your application goes to 30+ lenders simultaneously. They compete to approve you. A dedicated advisor handles everything personally.
Your application goes to every qualified lender at once. They compete to approve you — driving your rate down.
85% of applicants who complete the form receive at least one real approval within 48 hours.
Consumer proposal (similar process). Approved for a Jeep Compass at $349/mo in 36 hours.
Both had credit events. Upgraded to a RAM Sport at $429/mo. Delivered to their door.
Answer a few quick questions. No hard credit pull. All credit types welcome.
Your advisor submits to 30+ lenders simultaneously. Real approval within 24–48 hours.
Browse vehicles that fit your approved budget from our network of 5,000+ units.
Sign digitally. Vehicle delivered to your door anywhere in Canada within 5–7 days.
Check your approval in under 2 minutes. No hard credit pull. No obligation.