If your credit score is less than ideal, the thought of buying a car can feel out of reach. But here’s the good news: even with bad credit, getting approved for a car loan in Canada — especially in places like British Columbia — is absolutely possible. At CarbyClick, we specialize in helping Canadians from all financial backgrounds get behind the wheel of their next vehicle. Here’s everything you need to know about getting a car loan with bad credit.

What Counts as Bad Credit in Canada? 

Credit scores in Canada typically range from 300 to 900. Here’s a quick breakdown:

• 300-559: Poor
• 560-659: Fair
• 660-724: Good
• 725-759: Very Good
• 760-900: Excellent

If you’re in the “poor” to “fair” range, traditional banks might turn you down. But that doesn’t mean you don’t have options.

Why Traditional Lenders Might Say No?

Banks and traditional lenders usually have stricter approval criteria, including high credit score thresholds and proof of consistent income. If you’ve missed payments in the past, had a bankruptcy, or don’t have a long credit history, they may label you as “high risk.”

How CarbyClick Helps You Get Approved?

At CarbyClick, we partner with a wide network of lenders who understand that life happens. Our process looks at the full picture — not just your credit score.

We offer:

• Bad credit and no credit financing
• Pre-approvals in minutes
• $0 down options
• Refinancing to lower your current payments
• Cashback programs to help with life expenses

Even if you still owe money on your current vehicle, we can help you trade in and get approved for a better deal.

Steps to Improve Your Chances 

Want to boost your approval odds? Here are a few tips:

1. Know your credit score before applying
2. Be honest about your financial situation
3. Have a steady monthly income (we work with clients earning $1,200+/month)
4. Consider a co-signer if needed
5. Work with a dealer like CarbyClick that understands credit challenges

Success Stories: You’re Not Alone Many of our clients come to us after being turned down elsewhere. From students with no credit to hardworking parents rebuilding after financial setbacks, we’ve helped thousands of Canadians drive away with confidence.

Ready to Get Started? Don’t let a credit score stop you from getting a reliable vehicle. At CarbyClick, we’re committed to helping you find financing that fits your life — not the other way around.

Apply online in minutes and see what you qualify for. No judgment, no pressure. Just real people helping real Canadians drive away happily.