Get pre-approved for a car loan — whatever your credit looks like.

We are not a lender.

AutoLendingBC collects your application and connects you with financing partners through Go Kia Richmond, part of the Go Auto network. The lender sets the approval, the rate, and the term.

Applying does not affect your credit score.

Nothing touches your credit file until you have spoken with our team and separately authorized a lender to check it.

There is no minimum income and no credit cutoff.

Every completed application is reviewed. Past bankruptcy, consumer proposal, collections, repossession, self-employment, and no Canadian credit history are all situations we work with.

We do not publish ratings or review counts.

We would rather show you real customer stories once we have permission to share them than invent numbers.

Read the guides →

• Will applying affect my credit score?
  No. Completing this application does not affect your credit score. Nothing touches your credit file until you have spoken with our team and given permission to move forward with a lender.
• Can I get approved with bad credit, a past bankruptcy, or a consumer proposal?
  We work with all credit situations, including past bankruptcy, consumer proposal, collections, repossession, and no credit history at all. We specialize in tough-credit approvals. We can't promise an outcome — approval and terms are always set by the lender — but no credit history disqualifies you from applying.
• How long does the application take?
  About two minutes. It's ten short questions, one per screen, and you can go back and change any answer before you submit.
• Do I need to be employed to apply?
  No. We accept applications from people who are employed, self-employed, retired, on long-term disability, or receiving other forms of income. There is no minimum income required to apply.
• What areas of British Columbia do you serve?
  All of British Columbia, including Vancouver, Surrey, Burnaby, Richmond, Coquitlam, Langley, Abbotsford, Victoria, Nanaimo, Kelowna, Kamloops, and Prince George.
• Is AutoLendingBC a lender?
  No. AutoLendingBC is not a lender. We connect BC applicants with financing partners through Go Kia Richmond, part of the Go Auto network. Approval decisions, interest rates, and terms are set by the lender, not by us.
• What do I need to have ready before I apply?
  Nothing to upload. The form asks for your vehicle type, monthly budget, postal code, employment and income range, housing situation, name, date of birth, address, email, and phone number. No documents are required to start.
• What happens after I submit my application?
  Someone from our team calls you, usually the same business day, to go through your options. That's why the last screen says "Answer your phone!" — the call is the next step.