3-Step Process

Three steps to your keys.

No dealership. No pressure. Completely online. We match you with 20+ BC lenders competing for your approval — bad credit, no credit, or past declines all welcome.

No hard credit pull 20+ BC lenders Free delivery province-wide All credit types welcome
See My Approval Options
1
⏱ About a minute

Answer a few quick questions

Tell us about your vehicle type, income situation, and credit snapshot. No hard credit pull — this never touches your credit report. We've seen every situation, and there are no wrong answers.

  • Vehicle type preference (SUV, truck, sedan, etc.)
  • Income and employment situation
  • General credit range — no exact score needed
  • Contact info to send your matched options
~1 min
To complete
0
Credit impact
Free
No fees ever
2
🏆 Best rate wins

Get matched with 20+ lenders

Your profile goes to 20+ competing BC specialty lenders simultaneously. They bid for your business based on your situation — you get the best available rate, not just whatever one lender decides to offer.

  • 20+ lenders review your file at once
  • Specialist lenders for bad credit, consumer proposals, bankruptcies
  • A dedicated advisor reviews your matches and calls within 24 hours
  • You choose — no pressure, no obligation to proceed
20+
Lenders competing
24 hrs
Avg. response time
Soft
Check only
3
🚚 Free delivery BC-wide

Pick your vehicle — we deliver it

Choose from hundreds of pre-inspected vehicles. Your advisor walks you through your options clearly — no pressure, no upsell. Once you confirm, we handle all paperwork and deliver to your door anywhere in BC at no extra charge.

  • Hundreds of pre-inspected vehicles to choose from
  • Your advisor handles all financing paperwork
  • Free delivery to any BC address — 5–7 business days
  • Drive away with zero dealership visits required
5–7
Business days delivery
$0
Delivery charge
100%
Online process
Credit Situations We Handle

No situation is too complex.

Our 20+ lender network covers every credit scenario — from first-time buyers to bankruptcies.

📉

Bad Credit

Scores from 300 approved daily. We specialize in approvals others decline.

📋

Consumer Proposal

Active or discharged — we have lenders who specifically work with proposal situations.

🏦

Bankruptcy

Discharged or undischarged — lenders in our network approve both regularly.

🆕

No Credit History

New to Canada or first-time buyer? We have programs requiring zero credit history.

🔁

Previously Declined

Turned down by your bank or a dealership? Our lender network has different criteria.

💼

Self-Employed

Irregular income, contract work, or self-employed — we have lenders who accommodate all income types.

Common Questions

Quick answers

No. We use a soft credit check only — it 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, and you'll be told before that happens.
The application takes about a minute. Most applicants receive a lender match within 24–48 hours. Once you confirm a vehicle, delivery is typically 5–7 business days 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 point.
That's exactly who we're built for. Our 20+ lender network uses different criteria than banks and dealerships. Over 14,637 BC drivers who were previously declined have been approved through our network.
View all questions →
Ready to Start?

Check your options — free, no obligation.

Most people we approve thought they wouldn't qualify. It takes about a minute to find out.

See My Approval Options

No hard credit pull • No obligation • Free

No Hard Credit Pull
Check your options — takes about a minute
Check My Options