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ICBC Car Loan
Financing in BC.

Quick Facts
Approval Time24–48 hrs
Lenders30+
Min. Credit ScoreNone
Application CostFree
DeliveryAnywhere in Canada

How it works —
start to delivery.

Four steps. No dealership visit. Vehicle delivered to your door anywhere in Canada.

01

Apply Online in 2 Minutes

Tell us your location and income. No hard credit pull at this stage — completely free to apply.

02

A Real Advisor Reviews Your File

Your dedicated advisor reviews your application and submits to 30+ lenders simultaneously, finding you the best available rate.

03

Get Approved Within 48 Hours

Receive your approval with rate, term, and monthly payment clearly explained. Choose your vehicle from our national sourcing network.

04

Vehicle Delivered to Your Door

Sign documents digitally. Your vehicle is transported to your address anywhere in Canada within 5–7 business days.

Apply Free Today

See what you qualify for — no impact to your credit.

Takes 2 minutes. A real advisor calls you within 24 hours.

What our clients
are saying.

★★★★★

“The ICBC stuff confused me so much as a new BC resident. My Easy Ride advisor explained everything step by step. Car arrived with all the paperwork ready. Registration took 20 minutes.”

Nadia T.
Kelowna, BC
★★★★★

“Didn't realize the lender had insurance requirements separate from ICBC. Easy Ride disclosed everything upfront. Completely transparent process. Really appreciated the honesty.”

Bruce L.
Victoria, BC
★★★★★

“Moved from China and ICBC was completely new to me. Easy Ride walked me through every requirement. Could not have navigated this without their help.”

Ying W.
Richmond, BC

Frequently asked
questions.

No. ICBC uses your driving record — not your credit score — to set insurance premiums. Bad credit borrowers pay the same ICBC rates as applicants with excellent credit, assuming equivalent driving histories.
Yes. Most auto lenders require comprehensive and collision coverage in addition to Basic Autoplan. Coverage minimums vary by lender — your Easy Ride Canada advisor discloses all coverage requirements before vehicle selection.
No. BC law requires all registered vehicles to carry Basic Autoplan insurance through ICBC. Optional and enhanced coverage can be purchased through private insurers as a supplement, but Basic Autoplan is mandatory.
Registration at an ICBC Autoplan broker typically takes under one hour when you arrive with the complete transfer package Easy Ride Canada provides. No appointment is required at most Autoplan locations.

More helpful
guides & pages.

ICBC Transfer Guide Bad Credit Car Loan BC Buying a Car in BC Car Insurance BC Used Car Buying Guide BC
Start Today

Get approved.
Drive sooner.

Apply free in 2 minutes. No hard credit pull. A real advisor calls you within 24 hours with your options from 30+ lenders.

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