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Easy Ride Canada is a vehicle matching service — not a direct lender. We connect you with our network of 20+ lending partners.
Easy Ride Canada is a vehicle matching service — not a direct lender. We connect you with our network of 20+ lending partners.
📋 Consumer Proposal

Car Loans During a Consumer Proposal in BC.

Car loan options during or after a consumer proposal in BC. Lending partners who understand your situation. No hard credit pull to start.

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Active or completed — options exist.

A consumer proposal is not a barrier to auto financing. Our network includes lenders who specifically work with BC residents in active proposals or recently completed ones. Here's what to expect:

Active proposal (still making payments): Approval is possible, typically requiring a down payment and stable income. Rates are usually 17.99–29.99%. Some lenders may require your proposal administrator's consent for new credit.

Completed proposal (within 3 years): More lenders become available. Rates improve, typically 12.99–22.99% depending on your rebuilding progress.

For detailed rate expectations, see our BC rate guide. For the Canada-wide perspective, see our consumer proposal guide.

Other Credit Situations

Every situation has options.

Bad Credit BC Bankruptcy BC Consumer Proposal BC No Credit BC Collections BC New to Canada Low Income / ODSP
Common Questions

FAQ.

Yes. Some lenders in our network approve financing during an active proposal. Requirements typically include stable income, a down payment, and sometimes administrator consent.
Rates are higher than prime but improve as you make consistent payments. Starting rates typically range from 17.99–29.99% during an active proposal, improving after completion.
It depends. If you need a vehicle now for work or essential transportation, financing during the proposal is viable. Waiting may give you better rates. Your advisor can help you weigh the costs.
Helpful Resources

Tools to help you plan ahead.

Payment Calculator

Estimate your monthly payment.

 BC Rate Guide

Rate ranges by credit tier.

 Documents Checklist

What you need to apply.

 Car Loans in BC

Full BC overview.

Serving 39+ cities across BC →

Ready to get started?

Pre-qualify in 2 minutes. No hard credit pull. No obligation.

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🍁  Proudly Canadian  ·  Serving British Columbia