Everything You Want to Know

No. Easy Ride uses a soft credit check only — this never appears on your credit report and has zero impact on your score. A hard pull only happens if you choose to proceed with a specific lender offer, and you'll always be told before that happens.

No minimum. Our lender network approves scores from 300 upward, including active consumer proposals and undischarged bankruptcies. Your income, employment stability, and down payment can offset a low score significantly.

When we match you, lenders receive a profile summary. If you choose to proceed with a specific lender's offer, they will run their own full credit pull at that stage — but only with your consent, and only at that stage. Until then, your credit score is never affected.

Rates depend on your credit profile, income, vehicle, and loan term. Because 20+ lenders compete for your file, you get the best available rate for your situation — not just what one lender decides to offer. Rates typically range from 4.99% for strong credit to 29.99% for the most complex non-prime situations.

No down payment is required. Many of our approvals are $0 down. That said, even $500–$1,000 down can improve your rate and open more vehicle options. We also accept trade-ins as part of the down payment.

That's exactly who we're built for. Our 20+ lender network uses different criteria than banks and franchise dealerships. Over 14,637 BC drivers who were previously declined have been approved through Easy Ride Canada.

Most applicants receive a lender match within 24–48 hours. Same-day pre-approval is possible for straightforward applications submitted early in the day. Your dedicated advisor calls you to review your matched options — no automated email spam.

Three steps: (1) Answer a few quick questions about your situation — takes about a minute. (2) Your profile goes to 20+ competing BC lenders simultaneously — they bid for your business. (3) A real advisor calls you within 24 hours with your best matched options. You pick a vehicle, we handle the paperwork, and deliver it to your door anywhere in BC.

Yes, completely. We're a matching service — paid by the lender when a deal completes, not by you. No application fee, no membership fee, no hidden charges at any stage of the process.

At the application stage, nothing — just your answers to our quick questions. Once you're matched and ready to proceed with a lender, you'll typically need: government-issued ID, proof of income (recent pay stubs, NOA, or bank statements for self-employed), proof of address, and void cheque. Your advisor walks you through exactly what's needed for your specific situation.

No. The entire process is handled online and by phone. You browse vehicles, select your choice, sign documents electronically, and we deliver to your door. Zero dealership visits required.

Yes. Free delivery to any address in British Columbia — Vancouver, Surrey, Kelowna, Kamloops, Prince George, Victoria, or anywhere in between. Delivery typically takes 5–7 business days after you confirm your vehicle.

Hundreds of pre-inspected used vehicles across all types — SUVs, trucks, sedans, minivans, and more. Most inventory is 2015–2023 with varying mileage. Your advisor helps match vehicle options to your budget and approved loan amount.

Yes. All vehicles go through a pre-delivery inspection before being offered. Vehicle history reports are available for every unit. Your advisor can walk you through the details of any specific vehicle you're interested in.

Yes. Active and discharged consumer proposals are both approved regularly through our network. This is one of our most common situations. The key factors are your income stability and how much of the proposal you've paid off.

Yes. Both discharged and undischarged bankruptcies are handled. The length of time since discharge and your current income stability are the main approval factors. Your advisor will be upfront about what to expect for your specific situation.

We have lenders who specifically accommodate self-employed applicants, contractors, and those with irregular or seasonal income. Bank statements showing consistent deposits are typically used in place of pay stubs. Your advisor knows which lenders are best suited for your income type.

Yes. We have newcomer and first-time buyer programs that don't require Canadian credit history. A valid work permit or permanent residency, proof of income, and a valid BC address are typically sufficient to start.

Yes. Easy Ride Canada is a BC-registered business, fully compliant with PIPEDA and CASL. We're a matching service — we connect you with licensed lenders who operate in British Columbia. Your data is encrypted and never leaves Canadian soil. We've helped 14,637+ BC drivers since 2019.

Yes. All data is encrypted in transit and at rest. Your information is shared only with lenders relevant to your application — never sold to third-party marketers. We comply fully with PIPEDA, Canada's federal privacy law.

By phone: 1-888-EZY-RIDE (1-888-399-7433). You can also start the process online at any time — a real advisor will call you within 24 hours of your application. We're based in British Columbia and serve customers across the entire province.