Collections accounts on your credit report make most banks nervous — but they don’t make you unfundable. Easy Ride Canada works with specialty lenders who evaluate your full financial picture, not just your collection history. Whether your collections are active, paid, or in a repayment plan, there are lenders in our network who approve these situations regularly. What matters most is your current income and ability to make payments.
🔒 Free · No hard credit pull · No obligation
Collections can drop your score by 50–100+ points and stay on your file for 6 years. Most banks auto-decline applications with active collections.
Paid collections are viewed more favorably. Some lenders require collections to be paid before approval; others approve with active collections if income supports the payment.
Medical collections are often treated differently (less negatively) than consumer debt collections by specialty lenders.
Getting a car loan while you have collections actually helps — each on-time payment adds positive history to your credit report alongside the negative.
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.
Multiple collections, score 480. Stable job. Approved for a RAM 1500 at $429/mo. Delivered in 6 days.
Old medical collections + no prior car loan. Approved for a Nissan Rogue at $299/mo.
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.