Get Approved In Ashburn

Access To 1000+ Amazing Offers

Free Pre-Approval & Credit Inquiry.
Loans as high as $70,000, up to $10,000 cash back, rates as low as 0%

Partner Dealerships Across BC Apply Online

Through our existing loan networks, we can provide you with the best rates in all over British Columbia on your next car loan with guaranteed loan approvals

Speak With A Finance Specialist Get Approved

- Buy a new or pre-owned vehicle
- Affordable monthly payments
- Pay off higher interest debt
- Repair or rebuild credit
- Start saving

Minimum Requirements

- Valid BC drivers license
- $1800/month pre-tax income
- 2 pay stubs ($1300/month income can be improved in some cases)

Rebuild Credit

- Bad Credit Auto Loans BC
- Guaranteed Approvals
- $0 Down Offers Available




Now is an amazing time to get a guaranteed loan. Same-day approvals are available.



Our dealer partner finance managers put together a best case scenario for you based on several factors.



Browse our 1000+ dealership partner vehicle inventory and find your dream car.


Rebuild Credit

Stop credit shopping and start credit rebuilding to secure lower interest rates in the future.

Guaranteed Bad Credit Car Loan

Guaranteed Bad Credit Car Loan. Bad/No/Slow/Good Any Credit. 98% Approval Rate. No SIN $0 Down No Cosigner. Car Loans Approved Up To $70000. Income $1800/month+ Qualifies. 1000+ Vehicle Inventory. No Commitment


Bad Credit Auto Loans BC • Guaranteed Approvals • $0 Down Offers Available

How Does Your Application Work

You can find some of the best deals on Happy Lender through partner companies in North America. Apply online, request a service, and get in touch with a qualified service provider dedicated to serving you better.

I’ve been rejected by the bank

When you attempt to apply for a car loan with poor credit, banks will usually recommend to look for financing directly with a car dealership.

With hundreds of big and small dealerships scattered throughout BC, how can you know which one will offer the best rates?
Fortunately our team has hand picked trustworthy car dealerships that meet our standards of providing manageable rates to our customers. You can rest assured that your paperwork and best rates will be negotiated on your behalf with minimal hassle or headache.

Attempting to apply directly through a bank for a loan and being denied due to poor credit may increase your rates the next time you attempt to get a loan. Instead of doing that, we recommend to let experienced finance managers use their volume of business with the banks to negotiate the best rates on your behalf.

Can I Get A Car Loan With Bankruptcy?

Yes. Actually, many people facing bankruptcy or consumer proposals will come to us for help getting a loan. Because we deal with over 15 lending partners, we are able to negotiate on your behalf and get you approved with minimal hassle or stress. Several of our loan partners deal specifically with our clients in those situations. This seemingly impossible task (when you try to do it yourself) is what we do on a regular basis for our customers. We understand that life doesn't always go as planned but also believe in helping people with a real need. With our help, we believe we can get you back on the road while improving your credit.

Requirements For Approval With Bad Credit

Getting people approved for car loans even with very bad credit is our specialty:

Don't feel bad! 1/4 of Canadians have less than perfect credit scores. On a brighter note, most of our customers have a golden opportunity to rebuild their credit.

What we'll need to get you pre-approved

• Your ideal monthly payment range or budget
• Your vehicle preference (car, truck, van, SUV)
• When you need the loan by
• Picture copy of your drivers license to confirm your identity
• Verification of previous employment or last 3 months paystubs. Many of our customers are self-employed so give us a call for required details.
• Minimum Income Required: $1800/month before tax. We can in some cases get you approved on a $1300/month income.

Is Happy Lender A Car Dealership?

n short, the answer is no. Happy Lender offers a free service that helps borrowers with less than perfect credit by removing the mystery of negotiating with subprime lenders while saving them time. There are multiple advantages of shopping for a car loan and vehicle through us as opposed to going through a dealership. For starters, we select the best offers among our partners in order to get you an affordable rate on a car loan and new or used vehicle that fits your budget requirements. If you could get dozens of other car dealerships bidding to get you the best rates instead of having to negotiate with them one by one wouldn't you do it? Of course you would. Armed with rate quotes, you can confidently walk in to any dealership and know the rates you can qualify for should you choose to act on them. Happy Lender's dealer partners are highly efficient and motivated to get you the best rates in order to continue doing business with us. Everyone wins.

Why Choose Happy Lender?

Happy Lender offers the best terms, best rates, and best down payment plans in BC. We will not be beat by anyone. We help you get back on the road and stay on the road with affordable payment plans. While we have many applicants, you will not be treated like just another number. Our team cares about helping British Columbians going through unexpected life events. We understand that everyone is unique which is why we do our best to understand our customers and offer the best options. Our dedicated customer support team works hard to negotiate the best rates on your behalf while potentially saving you hundreds or even thousands of dollars in the process. Compared to other loan service companies, our dealer partners will do just about all of the hard work is for you so you can get approved within hours.

Furthermore, we saw that the lending process can be backwards and difficult to navigate at times especially for people who don't work in the industry itself. That almost always leaves the financing company, big banks, or car dealerships with the upper hand. We've vetted our dealer partners in BC based on quality standards that must be upheld in order for them to be in good standing with our program. Every dealer partner is graded at the end of each month based on their customer service, response times, hours spent negotiating with lenders, and many other factors. This is all done to ensure that you the borrower can find new meaning in the word 'Guaranteed.'

What Documents Will I Be Expected To Provide?

A finance specialist from the exclusive dealership assigned to your approval process will ask you for some more information which they use to verify your identity and credit.
They can perform a soft-pull on your credit which doesn't affect your credit score to better understand your options.

Proof of your monthly income - 2 most recent paystubs
Acceptable identification: Valid BC Drivers License (L, N, Class 5...)

If you have outstanding debt or require a debt consolidation loan it is advised that you contact a debt consolidation specialist instead.
While our dealership partners go to great lengths to negotiate with banks, prepare and complete paperwork on your behalf, and work with you till you have keys in hand, we do not want to burden them with borrowers who get approved but have no way to afford their monthly payments.

If you carry excess debt that isn't manageable then we generally advise to pay that off first.

In some cases our dealerships can arrange cash back offers on loans with rates that are lower than those charged by credit card companies (a common source of debt) which can alleviate some of the debt load.

If you are unsure we still welcome you to apply as our dealership partners do a much better job than most banks when it comes to auto financing in BC.

Over 1000+ New, Used & Certified Pre-Owned

In most cases we already have several vehicles that perfectly match your ideal vehicle description. Our dealer partner sales managers are able to pinpoint vehicles in our inventory that most closely match the description of your dream car.

Compact Cars
Chevy Sonic Ford Fiesta Honda Fit Hyundai Accent Kia Rio Mazda 2 Mitsubishi mirage Nissan Versa Scion xD Toyota Yaris

Subcompact Cars
Chevy Cruze Dodge Dart Ford Focus Honda Civic Hyundai Elantra Kia Forte Mazda3 Mitsubishi Lancer Nissan Sentra subaru Impreza Toyota Corolla

Mid-Size Cars
Chevy Malibu Dodge Avenger Ford Fusion Hyundai Sonata Kia Optima Mazda6 Mitsubishi eclipse Nissan Altima Subaru Legacy Toyota Camry

Full-Size Cars
Chevy Impala Ford Taurus Honda Accord Hyundai Genesis Kia Cadenza Nissan Maxima Toyota Avalon

Compact Crossovers & Mini MPVs
Mini Cooper Hatch Chevy HHR Honda Element Honda CR-V Hyundai Tucson Jeep Compass Kia Soul Kia Sportage Nissan Cube Nissan Juke Scion xB Toyota RAV4VW Tiguan Volvo XC60

Mid-size Crossovers
Dodge Journey Ford Edge GMC Terrain Kia Sorento Mazda CX-7 Mitsubishi Outlander Nissan Murano Nissan Rogue Subaru Outback Subaru Tribeca Toyota Venza Toyota Highlander VW Touareg Volvo XC70 Volvo XC90

Full-size Crossovers & Minivans
Chevy Traverse Dodge Durango Dodge Grand Caravan Ford Flex GMC Terrain Honda Odyssey Kia Sedona Mazda CX-9 Mazda5 Nissan Quest Toyota Sienna VW Routan

Compact SUVs
Dodge Nitro Jeep Wrangler Jeep Patriot Ford Escape Mazda Tribute Nissan Xterra Subaru Forester Toyota FJ Cruise

Mid-size SUVs
Ford Explorer Jeep Grand Cherokee Honda Pilot Hyundai Santa Fe Kia Borrego Mitsubishi
Endeavor Nissan Pathfinder Toyota 4Runner

Full-size SUVs
Chevy Suburban Ford Expedition GMC Yukon Nissan Armada Toyota Land Cruiser Toyota Sequoia

Small & Mid-size Pick-up Trucks
Dodge Dakota Ford Ranger Chevy Colorado GMC Canyon Honda Ridgeline Nissan Frontier Toyota Tacoma

Full-size Pick-up Trucks
Dodge Ram Ford F-Series Chevy Silverado Chevy Avalanche GMC Sierra Nissan Titan Toyota Tundra

Full-size Vans
Ford E-Series Chevy Express

Sports Cars
Audi TT BMW M-Series BMW Z-Series Chevy Camaro Chevy Corvette Dodge Challenger Dodge Charger Dodge Viper Ford Mustang Honda CR-Z Mazda Miata Mitsubishi Eclipse Nissan Z Scion fr-s

Compact Luxury Cars
Acura ILX Audi A3/A4 BMW 2/3/4-Series Buick Verano Cadillac ATS/ELR Infiniti Q50 Lexus IS Mercedes-Benz

Mid-size Luxury Cars
Acura TLX Audi A6/A7 BMW 5-Series Buick Regal Buick LaCrosse Cadillac CTS Chrysler 200 Hyundai Azera Infiniti Q70 Lexus ES/GS Lincoln MKZ Mercedes-Benz

Full-size Luxury Cars
Acura RLX Audi A8 BMW 6/7-Series Buick Lucerne Cadillac XTS Chrysler 300 Hyundai Equus Kia K900 Lexus LS Lincoln MKS Mercedes-Benz S-Class

Luxury Crossovers & Minivans
Acura RDX Audi Q3/Q5/Q7 Buick Enclave Cadillac SRX Chrysler Town & Country Infiniti QX50/QX60/QX70 Lexus CT Lexus RX Lincoln MKC/MKX Mercedes-Benz R-Class

Luxury SUVs
Acura MDX BMW X-Series Cadillac Escalade Lincoln Navigator Infiniti QX80 Lexus GX Lexus LX Mercedes-Benz GL-Class Mercedes-Benz GLK-Class Mercedes-Benz M-Class

Subcompact & Mini Cars
BMW i3 Chevy Spark Mitsubishi i-Miev Scion iQ Smart Fortwo Toyota Prius

Compact Cars
Chevy Volt Honda Insight Nissan Leaf Toyota Prius v

Mid-size Cars
Toyota Prius



Hours of Operation

  • Monday: 9am-7pm
  • Tuesday: 9am-7pm
  • Wednesday: 9am-7pm
  • Thursday: 9am-7pm
  • Friday: 9am-7pm
  • Saturday: 9am-6pm
  • Sunday: 9am-5pm

Contact Us