Car Loan After
Consumer
Proposal
Active or discharged — we work with lenders who specialize in consumer proposal financing. Many BC drivers get approved while still in their proposal.
Active proposals OKDischarged proposals OKSpecialized lenders
Your proposal status doesn’t define you.
We work with lenders who look beyond the proposal to your current situation.
Active consumer proposal
Still making payments? Many lenders approve during the proposal period
Recently discharged
Just completed your proposal? Time to start rebuilding credit
Discharged years ago
Proposal still showing on your report? Better rates available as time passes
Proposal + other credit issues
Collections, late payments in addition to proposal — we find the right lender
From proposal to approved.
The process is the same whether you’re active or discharged.
Tell us your situation
2 MINQuick questions about your proposal status, income, and what you’re looking for.
We match you to specialists
24-48 HRSYour file goes to lenders who specifically work with consumer proposal situations.
Pick your vehicle
FREE DELIVERYChoose from matched inventory, sign digitally, and get your vehicle delivered.
What to expect for rates.
Rates improve as you move through and past your proposal.
Rates depend on income, down payment, vehicle, and time in proposal. These are estimates — your actual rate is confirmed at approval.
Consumer proposal questions.
Can I get a car loan while still in my consumer proposal?
Yes. Many lenders specialize in active consumer proposal financing. You’ll typically need trustee approval and proof of income, but approvals during an active proposal are common.
Do I need my trustee’s permission?
If your proposal is active, you’ll likely need trustee approval to take on new debt. This is usually straightforward if the loan fits your budget. We can guide you through the process.
Will a car loan help rebuild my credit?
Yes. Making consistent payments on an auto loan is one of the best ways to rebuild credit after a consumer proposal. Many of our clients see significant score improvements within 12-18 months.
How long after discharge can I get approved?
You can often get approved immediately after discharge — and sometimes even before. Rates improve as more time passes since the proposal was filed.
Ready to
Drive?
20+ BC lenders. Results in 24 hours. Zero credit impact. Zero cost.