{"id":1012893,"date":"2023-05-10T12:55:26","date_gmt":"2023-05-10T16:55:26","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1012893"},"modified":"2025-05-22T14:56:46","modified_gmt":"2025-05-22T18:56:46","slug":"bad-credit-car-loans-bc","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/bad-credit-car-loans-bc","title":{"rendered":"Compare bad credit car loans in BC"},"content":{"rendered":"<p>Bad credit doesn\u2019t have to stop you getting a car loan. Many lenders are willing to accept borrowers with a less than perfect credit history \u2014 you just need to know where to look.<\/p><p>In this guide, we\u2019ll take a closer look at bad credit car loans in BC, what you need to apply, and how much you can expect to pay.<\/p><h3>4 bad credit car loan providers in BC<\/h3><h4><img decoding=\"async\" class=\"alignnone wp-image-901374 has-padding-top-small has-padding-bottom-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/CarsFastLogo_Supplied_189x40.png\" alt=\"CarsFast logo\" width=\"279\" height=\"76\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/CarsFastLogo_Supplied_189x40.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/CarsFastLogo_Supplied_189x40.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/CarsFastLogo_Supplied_189x40.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/CarsFastLogo_Supplied_189x40.png?fit=837 837w\" sizes=\"(max-width: 837px) 100vw, 837px\" loading=\"lazy\"><\/h4><h4>1. CarsFast bad credit car loans<\/h4><p><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/carsfast-car-loan\">CarsFast<\/a> is an online comparison site where you can shop for finance for your next car. After filling out a quick application, you can compare finance offers from multiple lenders and shop for vehicles at 350 dealerships around the country.<\/p><h4>Loan details<\/h4><ul><li><strong>APR:<\/strong> 3.90% - 29.90%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Loan amount:<\/strong> $500 \u2013 $75,000<\/li><li><strong>Loan term:<\/strong> 12 - 96 months<\/li><li><strong>Minimum income:<\/strong> $2,000\/month<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-1\"><li>Compare multiple finance offers<\/li><li>Pre-approval within minutes<\/li><li>Available across Canada<\/li><li>Large inventory of vehicles<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-12\"><li>High rates for bad credit<\/li><li>Financing limited to dealership vehicles<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/carsfast-lendingarch-ca-car-loan-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFCL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2216112%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22product_id%22%3A%225ba47813-dec4-4734-8778-bfa4edb45aab%22%2C%22product_name%22%3A%22CarsFast%2BCar%2BLoans%22%2C%22provider_id%22%3A%22de539f0b-5b87-4abf-aa61-e7e3b8329b58%22%2C%22provider_name%22%3A%22CarsFast%22%2C%22post_id%22%3A%221012893%22%2C%22post_path%22%3A%22car-loans%252Fbad-credit%252Fbad-credit-car-loans-bc%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><hr><h4><img decoding=\"async\" class=\"alignnone wp-image-949059\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/LoansCanada_Supplied_250x100.png\" alt=\"Loans Canada\" width=\"258\" height=\"103\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/LoansCanada_Supplied_250x100.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/LoansCanada_Supplied_250x100.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/LoansCanada_Supplied_250x100.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/LoansCanada_Supplied_250x100.png?fit=774 774w\" sizes=\"(max-width: 774px) 100vw, 774px\" loading=\"lazy\"><\/h4><h4>2. Loans Canada bad credit car loans<\/h4><p><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/loans-canada-car-loans-review\">Loans Canada<\/a> is an online broker rather than a direct lender. After you fill out an online application, Loans Canada\u2019s loan matching platform lets you compare finance offers from the broker\u2019s network of lenders.<\/p><h4>Loan details<\/h4><ul><li><strong>APR:<\/strong> 0% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"0% financing is for new cars only. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Loan amount:<\/strong> $3,000 \u2013 $50,000<\/li><li><strong>Loan term:<\/strong> 3-60 months<\/li><li><strong>Minimum income:<\/strong> $1,800 per month<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-1\"><li>Large network of lenders<\/li><li>Get multiple offers with just one application<\/li><li>Service is provided free of charge<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-12\"><li>High rates for bad credit<\/li><li>Not a direct lender<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/loans-canada-car-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFCL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2217709%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22product_id%22%3A%2298559dd6-c17b-40fb-a619-3014d270fc9d%22%2C%22product_name%22%3A%22Loans%2BCanada%2BCar%2BLoans%22%2C%22provider_id%22%3A%2212ee2ade-e1e9-43f0-b34b-760e916e902f%22%2C%22provider_name%22%3A%22Loans%2BCanada%22%2C%22post_id%22%3A%221012893%22%2C%22post_path%22%3A%22car-loans%252Fbad-credit%252Fbad-credit-car-loans-bc%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><hr><h4><img decoding=\"async\" class=\"alignnone wp-image-896290\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/01\/CanadaAutoFinance_Supplied_450x250.jpg\" alt=\"Canada Auto Finance\" width=\"295\" height=\"164\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/01\/CanadaAutoFinance_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/01\/CanadaAutoFinance_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/01\/CanadaAutoFinance_Supplied_450x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/01\/CanadaAutoFinance_Supplied_450x250.jpg?fit=885 885w\" sizes=\"(max-width: 885px) 100vw, 885px\" loading=\"lazy\"><\/h4><h4>3. Canada Auto Finance bad credit auto loans<\/h4><p><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/canada-auto-finance-review\">Canada Auto Finance<\/a> is an online car financing platform designed to match you with a car loan from an auto dealership near you. It has partnerships with car brands and dealerships across the country.<\/p><h4>Loan details<\/h4><ul><li><strong>APR:<\/strong> 4.90% - 29.95%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Loan amount:<\/strong> $500 \u2013 $45,000<\/li><li><strong>Loan term:<\/strong> 3 - 96 months<\/li><li><strong>Minimum income:<\/strong> $1,500 monthly<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-1\"><li>Large dealership network<\/li><li>Fast approvals<\/li><li>Free service<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-12\"><li>High rates for bad credit<\/li><li>No online quotes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><\/p><hr><p><img decoding=\"async\" class=\"alignnone wp-image-1012931\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg\" alt=\"Driving With Steve\" width=\"366\" height=\"57\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/DrivingWithSteve_Supplied_450x70.jpg?fit=1098 1098w\" sizes=\"(max-width: 1098px) 100vw, 1098px\" loading=\"lazy\"><\/p><h4>4. Driving With Steve bad credit auto loans<\/h4><p><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/driving-with-steve-review\">Driving With Steve<\/a> is an online platform where you can compare vehicles and financing rates from various dealers. Simply fill out an online application form to see what\u2019s available.<\/p><h4>Loan details<\/h4><ul><li><strong>APR:<\/strong> Not available<\/li><li><strong>Loan amount:<\/strong> Not available<\/li><li><strong>Loan term:<\/strong> Not available<\/li><li><strong>Minimum income:<\/strong> Not available<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-1\"><li>Easy online application<\/li><li>No fees<\/li><li>Bad credit OK<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-12\"><li>High rates for bad credit<\/li><li>Limited info on website<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><\/p><hr><h3>How to compare bad credit car loans in BC<\/h3><p>There\u2019s a lot to consider when choosing a bad credit auto loan, so make sure you take into account the following factors:<\/p><h4>APR<\/h4><p>Bad credit car loans in BC commonly come with steep car loan rates up to 29.99%. The APR combines the interest rate and loan fees into a single percentage figure to show the true cost of a loan. Use it to compare loan products between lenders.<\/p><h4>Loan term<\/h4><p>Check the minimum and maximum loan terms each lender offers. While a longer term means a lower monthly payment, it also means the loan will cost you more to pay off in total.<\/p><h4>Loan amount<\/h4><p>Consider the amount you want to borrow and check whether that fits within the lender\u2019s minimum and maximum loan limits.<\/p><h4>Additional fees<\/h4><p>Read the fine print to find out whether there are any other fees that may apply, such as NSF and late payment fees.<\/p><h4>Down payment requirements<\/h4><p>Will you need to make a minimum down payment to take out a loan, or is <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/no-deposit\">$0 down payment financing<\/a> available?<\/p><h4>Eligibility criteria<\/h4><p>Read the terms and conditions to make sure you\u2019ll qualify for a bad credit car loan in BC. You will usually have to satisfy minimum monthly income requirements and have been in steady employment for at least three months.<\/p><h4>Repayment flexibility<\/h4><p>Can you make extra loan payments whenever you want? Can you pay the loan back early without incurring any penalties?<\/p><h4>Lender reliability<\/h4><p>Research the lender to make sure you only ever deal with legitimate providers. Check that they\u2019re registered in BC, find out whether they\u2019re BBB accredited (optional, but good to have), and read independent reviews from other borrowers. And if the lender uses high-pressure sales tactics to try to get you to take out financing, walk away.<\/p><h3>How to increase your chances of getting approved<\/h3><p>If you\u2019ve got bad credit, there are several simple things you can do to improve your chances of getting approved for a bad credit auto loan in BC. These include:<\/p><h4>Check your credit score<\/h4><p>Start by finding out just how bad (or good) your credit score actually is. This will give you a better idea of where you stand and which lenders may be willing to offer you a loan.<\/p><h4>Improve your credit score<\/h4><p>From paying down debts to disputing inaccuracies in your credit file, there\u2019s lots you can do to improve your credit score and make yourself a lower-risk prospect in the eyes of lenders.<\/p><h4>Get pre-approved<\/h4><p>Apply for <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/pre-approved-car-loan\">car loan pre-approval<\/a> with multiple lenders to find out which lenders are willing to work with you and what sort of rates you can expect.<\/p><h4>Work out how much you can afford<\/h4><p>Sit down with a calculator to assess your monthly income and work out a reasonable monthly car loan payment. Remember that you\u2019ll need room in your budget to cover all your regular expenses as well as unexpected emergencies.<\/p><h4>Apply with a cosigner<\/h4><p>If a family member with a higher credit score and income with you is willing to cosign your loan, this will increase your chances of approval and also allow you to access larger loan amounts.<\/p><h4>Compare your options<\/h4><p>Don\u2019t just settle for the first bad credit car loan you come across. Shop around and compare products from a range of lenders to find the best value.<\/p><h3>Eligibility requirements for bad credit car loans in BC<\/h3><p>The exact eligibility criteria you\u2019ll need to meet to qualify for a bad credit car loan in BC vary between lenders. However, you\u2019ll generally need to satisfy the following requirements:<\/p><ul><li>Be 19 years of age or older<\/li><li>Be a Canadian citizen or resident<\/li><li>Meet minimum monthly income requirements (usually $1,600 or more per month)<\/li><li>Have held your current job for at least three months<\/li><li>Have an active bank account<\/li><\/ul><p>You may also be asked to provide a range of documents and information during the application process, such as:<\/p><ul><li>Proof of ID, such as your driver\u2019s licence or passport<\/li><li>Bank statements for the past 90 days<\/li><li>Recent pay stubs<\/li><li>Your employer\u2019s name and contact information<\/li><\/ul><h3>How to apply for a bad credit car loan in BC<\/h3><p>When you\u2019re ready to take out a bad credit car loan in BC, here\u2019s what you need to do:<\/p><ol><li><strong>Compare options.<\/strong> Compare a variety of lenders that specialize in bad credit car loans. Make sure to consider only legitimate lenders, and check their eligibility criteria to see whether you might qualify for a loan.<\/li><li><strong>Get pre-approval.<\/strong> Apply for pre-approval from multiple lenders. Getting pre-approved allows you to see \u201cquotes\u201d for various loans and compare costs between lenders.<\/li><li><strong>Submit an application.<\/strong> Once you\u2019ve found the lender that offers an affordable loan and terms that suit your needs, complete an online application. You\u2019ll need to provide your name and contact details as well as income and employment information.<\/li><li><strong>Provide documentation.<\/strong> Next, provide any documentation the lender needs to process your application, such as proof of ID and recent bank statements.<\/li><li><strong>Get approved.<\/strong> Once you\u2019re approved, the funds will typically be sent to your account within 24 hours.<\/li><li><strong>Drive away.<\/strong> Hit the road in your new set of wheels.<\/li><\/ol><h3>How much are cars in BC?<\/h3><p>Buying a car in BC? The price you can expect to pay will vary depending on whether you buy a new or used vehicle.<\/p><p>According to AutoTrader, the average price of a new car in BC in March 2023 was $63,726, 15.8% year-on-year increase. Used cars won\u2019t set you back quite as much, with an average BC price as of March 2023 of $43,425 (4.7% year-on-year increase).<\/p><p><img decoding=\"async\" class=\"wp-image-1014944 aligncenter\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg\" alt=\"Orange car on road with $63,726 price and green car on road with $43,425 price\" width=\"680\" height=\"422\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/NewCarUsedCarPricesBC_Finder_942x585.jpg?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><p>It\u2019s worth noting that if you have bad credit, getting approved for a car loan of $20,000 or more can be quite difficult. As a result, you\u2019ll either need to consider buying a more affordable vehicle, so save a larger down payment so you don\u2019t have to borrow such a large amount.<\/p><h3>How much will a bad credit car loan cost me in BC?<\/h3><p>The interest rate you get and the loan term you choose can both have a big impact on the total cost to repay your loan. Check out the tables below to see how an APR of 12.99%, 15.99% and 18.99% can affect your repayments over loan terms ranging from five to seven years.<\/p><h4>$15,000 car loan at 12.99% APR over 5-7 years<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 17%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 15%;\" scope=\"col\">Interest rate<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Term<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Monthly payment<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total interest<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total cost to repay loan<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>$15,000<\/td><td>12.99%<\/td><td>5 years<\/td><td>$341.22<\/td><td>$5,473.16<\/td><td>$20,473.16<\/td><\/tr><tr><td>$15,000<\/td><td>12.99%<\/td><td>6 years<\/td><td>$301.03<\/td><td>$6,674.33<\/td><td>$21,674.33<\/td><\/tr><tr><td>$15,000<\/td><td>12.99%<\/td><td>7 years<\/td><td>$272.80<\/td><td>$7,915.02<\/td><td>$22,915.02<\/td><\/tr><\/tbody><\/table><h4>$15,000 car loan at 15.99% APR over 5-7 years<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 17%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 15%;\" scope=\"col\">Interest rate<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Term<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Monthly payment<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total interest<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total cost to repay loan<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>$15,000<\/td><td>15.99%<\/td><td>5 years<\/td><td>$364.69<\/td><td>$6,881.47<\/td><td>$21,881.47<\/td><\/tr><tr><td>$15,000<\/td><td>15.99%<\/td><td>6 years<\/td><td>$325.30<\/td><td>$8,421.24<\/td><td>$23,421.24<\/td><\/tr><tr><td>$15,000<\/td><td>15.99%<\/td><td>7 years<\/td><td>$297.85<\/td><td>$10,019.02<\/td><td>$25,019.02<\/td><\/tr><\/tbody><\/table><h4>$15,000 car loan at 18.99% APR over 5-7 years<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 17%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 15%;\" scope=\"col\">Interest rate<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Term<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Monthly payment<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total interest<\/th><th style=\"text-align: left; width: 17%;\" scope=\"col\">Total cost to repay loan<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>$15,000<\/td><td>18.99%<\/td><td>5 years<\/td><td>$389.03<\/td><td>$8,341.54<\/td><td>$23,341.54<\/td><\/tr><tr><td>$15,000<\/td><td>18.99%<\/td><td>6 years<\/td><td>$350.56<\/td><td>$10,240.68<\/td><td>$25,240.68<\/td><\/tr><tr><td>$15,000<\/td><td>18.99%<\/td><td>7 years<\/td><td>$324.03<\/td><td>$12,218.62<\/td><td>$27,218.62<\/td><\/tr><\/tbody><\/table><p>As you can see, while a longer term means a lower monthly payment, it means you\u2019ll end up paying significantly more interest in the long run. And even on a shorter loan term of five years, a 3% difference in APR can substantially increase the cost of repaying a loan.<\/p><p>Use the car loan calculator below to work out how much it\u2019ll cost you to pay off your car purchase.<\/p><div class=\"monthlyRepayment_calculator_wrapper\">\n\t<div class=\"calc-header-outer\">\n\t<div class=\"calc-header-container\">\n\t\t<h3 class=\"calc-header\">Car loan calculator<\/h3>\n\t\t<span>Calculate how much you could expect to pay each month<\/span>\n\t<\/div>\n\t<\/div>\n\t<div class=\"u-grid\">\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s calc-separator\">\n\t\t\t<table class=\"monthlyRepayment_calc-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"calc-subheader\">\n\t\t\t\t\t\t\t<div class=\"calc-subheader-text\">Your loan<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"padding-top-small\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLoan amount\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">$<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_amount\" title=\"Enter the loan amount you want to borrow\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Loan terms (in years)<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_term\" title=\"Enter the number of years of your loan\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Interest rate<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" step=\"0.1\" class=\"luna-input calc-input monthlyLoan_interest\" title=\"Enter the annual interest rate of your loan\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t\t<div class=\"button_wrapper\">\n\t\t\t\t<a class=\"luna-button luna-button--primary calc-button\" data-id=\"0000000000\" data-variant=\"loanAmount\">Calculate<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s\">\n\t\t\t<div class=\"monthlyRepayment_directions\" data-id=\"0000000000\">\n\t\t\t\t<h4 class=\"directions\">Fill out the form and click on \u201cCalculate\u201d to see your\n\t\t\t\t\t\t\t\t\t\t\t<strong>estimated monthly payment.<\/strong>\n\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t<p class=\"margin-top-small\">or<\/p>\n\t\t\t\t<a class=\"luna-button luna-button--action luna-button--large\" href=\"#compare\" target=\"_self\" rel=\"noopener\">Compare car loans now<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"savings-div monthlyRepayment_savings-div\" data-id=\"0000000000\">\n\t\t\t\t\t\t\t\t\tYou can expect to pay back\n\t\t\t\t\t<span class=\"monthlyCost_value\">\n\t\t\t\t\t\t$<span class=\"monthlyCost_cost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\tper month\n\t\t\t\t\n\t\t\t\t<h5>Based on your loan terms<\/h5>\n\t\t\t\t<table class=\"luna-table monthlyCost_breakdown\">\n\t\t\t\t\t<tbody class=\"luna-table__body\">\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Principal<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_loanAmount\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Interest<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_interest\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Total Cost<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_totalCost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Bad credit car loans in BC can help you buy the car you need, but they come at a cost. Steep interest rates apply, so it\u2019s worth considering whether you\u2019d be better off paying down existing debt and improving your credit score before you apply.<\/p><p>If you decide that you\u2019re ready for a loan now, make sure to <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\">compare bad credit car loans<\/a> before deciding where to apply.<\/p><h3>Frequently asked questions about bad credit car loans in BC<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can I get a bad credit car loan in BC?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, there are multiple lenders in BC that offer bad credit car loans. You can apply for a loan from an online lender or consider taking out financing through a dealer.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What qualifies as a bad credit score?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Credit scores in Canada range from 300 to 900, and your score is considered \"poor\" if it's <a href=\"https:\/\/www.finder.com\/ca\/credit-score\">559 or lower<\/a>. You'll typically need a good to excellent credit score (660 or higher) to qualify for a loan from a traditional lender, but there are plenty of online lenders and dealer financing options to help borrowers with bad credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Do bad credit car loans in BC come with any fees?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, some fees may apply, but exactly what you have to pay will vary from one lender to the next. You may be charged an origination fee, while fees often also apply if you miss a payment or have insufficient funds in your account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I get guaranteed approval on a bad credit car loan in BC?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. While some lenders may claim to offer guaranteed approval, there are usually strings attached. Legitimate lenders will assess your income and existing debt levels before deciding whether you can afford to repay a loan. In fact, advertising guaranteed approval is a warning sign that could indicate a <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/common-car-loan-scams\">car loan scam<\/a>, so steer clear of any lender that makes this promise.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000005\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000005\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Your guide to bad credit car loans in BC and how to find the right financing for your needs.<\/p>\n","protected":false},"author":516,"featured_media":973995,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[107111],"tags":[],"asset_tag":[],"class_list":["post-1012893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bad-credit"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bad Credit Car Loans in BC | Fast Approvals | Finder Canada<\/title>\n<meta name=\"description\" content=\"Check out these bad credit car loans in BC and read tips on finding financing for your next set of wheels.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/bad-credit-car-loans-bc\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare bad credit car loans in BC\" \/>\n<meta property=\"og:description\" content=\"Check out these bad credit car loans in BC and read tips on finding financing for your next set of wheels.\" \/>\n<meta property=\"og:url\" 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