Having a vehicle repossessed is one of the most damaging events for your credit — but it doesn’t mean you can never get a car loan again. Easy Ride Canada works with specialty lenders across Canada who approve borrowers with prior repossessions. The key factors are your current income stability, time since the repo, and whether the deficiency balance has been addressed. Many repo borrowers are approved within 48 hours.
🔒 Free · No hard credit pull · No obligation
A repossession can drop your credit score by 100–200 points and stays on file for 6–7 years. Most banks auto-decline any application with a repo flag.
If you owe money from the repossession, some lenders require it to be paid or included in a consumer proposal before approving a new loan.
Dealerships see repo history and assume you’re unfundable. In reality, specialty lenders evaluate your situation differently.
Each on-time payment on a new car loan rebuilds your credit. Many repo 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.
Repo 18 months ago, score 480. Stable job for 6 months. Approved for a RAM 1500 at $429/mo. Delivered in 6 days.
Prior repo + self-employed. Turned down twice. Approved for a RAM 1500 Warlock at $459/mo in 48 hours.
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.