Browse every option by monthly payment. Whether you’re rebuilding credit, on a fixed income, or just starting out — there’s a vehicle and a lender here for you. No hard credit pull to get started.
Every link below shows real vehicles available to BC residents at that payment range. All credit types considered — apply first for your exact number.
We’ve written detailed affordability guides for every situation. Find yours below.
The answer depends on three things: your monthly income, your credit profile, and how much (if any) down payment you have. As a rough guide:
These are estimates. With a down payment, you can often get lower payments at any income level. And with the right lender, bad credit doesn’t disqualify you — it just changes which lenders we target.
No. A down payment is never required to apply or get pre-approved. That said, a down payment of $1,000–$3,000 can meaningfully lower your monthly payment and make it easier for lenders to approve higher-value vehicles. It’s an option, not a requirement.
More than you’d expect. We have lenders who accept all of the following: full-time and part-time employment, self-employment and contract income, EI (employment insurance), ODSP and CPP-D disability income, government benefits, pension income, and parental leave. If you have consistent monthly income of any kind, we likely have a lender for you.
There’s no minimum credit score at Easy Ride Canada. We work with lenders who approve scores below 500 — even 0. What matters more is your income and current situation. If you’re in an active consumer proposal or bankruptcy, we have specific lenders for exactly that.
Yes, and this is one of our specialties. See our low-income car buyer guide for a full breakdown of which vehicles are realistic, which lenders accept benefit income, and how to structure your application for the best chance of approval.
You apply online in 2 minutes — no hard credit pull, no commitment, free. A real advisor calls you within 24 hours. They search 30+ lenders simultaneously for approvals and present you with real options including actual monthly payments. If you accept, we handle all ICBC paperwork and deliver your vehicle anywhere in BC. No dealership visit ever required.
2 minutes, no hard credit pull, and a real advisor will call you within 24 hours with your real options — not generic estimates.
Check My Approval — Free →All credit types welcome · Bad credit, consumer proposals, newcomers, first-time buyers