Estimate Your Monthly Payment
Adjust the sliders to see what you could pay per month. Rates vary by credit — this uses 8.99% over 72 months as a starting estimate.
Estimated Monthly Payment
$279/mo
OAC · Rate varies by credit situation · 72-month term
Most Affordable Student Vehicles What you could qualify for today.
$199 /mo OAC
2017–2019 Hyundai Accent
Sedan · FWD · Cheapest insurance
Cheapest vehicle to insure in BC under 25. Lowest possible monthly payment for students.
Get Approved →$229 /mo OAC
2018–2020 Nissan Versa
Sedan · FWD · Ultra-low payment
Ultra-low sticker price means the smallest loan amount — easiest path to approval on part-time income.
Get Approved →$259 /mo OAC
2019–2021 Hyundai Elantra
Sedan · FWD · Reliable
Reliable and fuel-efficient. Lenders approve Elantras at high rates because resale holds well.
Get Approved →$279 /mo OAC
2019–2021 Toyota Corolla
Sedan · FWD · Best resale
Best resale of any sedan — if a student can afford $279/mo, this is the smart choice.
Get Approved →
Can I get a car loan as a student in BC?
Yes. Several of our 30+ lending partners have programs specifically for students. The key factors are income (part-time employment, bursaries, or student loans can qualify), a co-signer if possible, and choosing a lower-cost vehicle to keep the loan amount manageable.
What income qualifies for a student car loan?
Part-time employment income of $1,200–$1,500/month is the most common approval threshold. Some lenders will also consider scholarship or bursary income. A co-signer with stable employment and good credit dramatically improves your options even if you cannot meet the income requirement alone.
What vehicles are affordable for students in BC?
Payments of $200–$280/month are achievable for most students with part-time income. This covers reliable used vehicles like a 2017–2020 Toyota Corolla, Honda Civic, Hyundai Elantra, or Kia Rio. See our cars under $300/month guide for the full list.
Will a co-signer help?
Significantly. A parent or guardian with good credit as a co-signer opens better rates and more lender options. But co-signers are never required — apply first and see what you qualify for independently. Many students are approved without one.
Does Easy Ride serve university cities in BC?
Yes — all of BC. We deliver to Vancouver, Victoria, Kelowna, Kamloops, Abbotsford, Prince George and everywhere in between. Your vehicle comes to your address. No campus dealer visit ever required.
How to improve your approval odds as a student
Three things help most: choosing a lower-cost reliable vehicle (Toyota Corolla, Honda Civic, Hyundai Elantra), having any down payment even $500–$1,000, and applying with a co-signer if one is available. Apply free — your advisor will tell you exactly what you qualify for.