Buy Guaranteed Auto Vehicle Finance & Financing Used Car Loan

Fast And Easy Approval Process

Having approved thousands of BC residents, our staff has a 99% success rate in getting you approved for an auto loan regardless of your credit situation. Unlike the banks or larger auto financing companies, our focus is primarily on providing our clients with a smooth process, providing affordable rates, and not further damaging your credit. With fast approvals, getting approved with BC Auto Credit means you can start rebuilding damaged credit scores.

More Choices

Whether you want a car, truck, 4-door, 2-door, SUV, or minivan, we’ll make it easy for you to choose the right vehicle.

Guaranteed Lowest Rates

Won’t be beat. We work smart and negotiate the best rates without any hidden fees.

Same Day Approvals

Same dealer networks as larger companies with less delays, hoops, and headaches.

1-Step Secure Form

Provide your basic information. SIN not required. We do the legwork on your behalf.

Credit Rebuilding

Our service to you does not stop after you are approved. We give you insider tips on how to bulletproof your credit score.

Personalized Independent Advice

Our experienced team simplifies the entire decision making process in a way that makes sense.

Got Approved Elsewhere At A Higher Rate? Our Team Offers Same-Day Refinancing At More Affordable Rates. This Means You Pay Less Every Month!

BC Auto Centre LTD.

Lease, Finance, Refinance at a lower rate. BC Auto Credit helps Canadians in B.C. looking for auto financing with guaranteed approvals regardless of your credit situation. Bankruptcy or Consumer Proposal? No problem. Our experienced staff has options for just about everyone and does all of the hard work for you. Whether your budget is under $250, up to $500 or even above $500 per month, we have a large vehicle inventory with great deals to get you the financing and car. We understand our customers time constraints which is why our staff are trained to negotiate the best rates possible for you from our lending partners saving you time, money, and getting you a great deal in the process.

Commonly Asked Questions

We offer the best terms, best rates, and best down payment plans in BC. We will not be beat by anyone. Give us a call today so we can help you get back on the road.

Every car undergoes thorough independent inspections & reconditioning to ensure the safety of our clients. We make available comprehensive inspection and repair reports. We also provide a CarProof vehicle history report upon request available for every car in our inventory.

We match the personalized plan with our clients specific needs.. Whether you have good credit, bad credit or no credit; our veteran trained staff can put together the right auto plan packages for you..

BCAutoCredit.com lets you purchase a new or used vehicle, all makes and models, car, truck, Van or SUV. We also offer a loan which allows you to refinance your existing loan and in most cases help you lower your interest rate and/or monthly payments.

BCAutoCredit.com will help you finance any new or used vehicle, ranging from SUVs, cars, trucks, or vans in all makes and models. Vehicles are usually around 6 years old or newer with an average mileage below 120,000 kms

You can email us at [email protected] or call 604-563-9333 during office hours to speak with one our representatives.

Absolutely. You don’t need to be embarrassed about your credit situation. In fact, more than a quarter of people have less than perfect credit! We specialize in offering auto loaan tns for a range of creditd – Bad, Poor, Fair, Average, Good and Excellent. Our goal is to help you succeed with your auto loan by offering a suitable monthly payment, a competitive interest rate, and term that will make it easier for you to pay your loan on time. As an added value, we can assist you in rebuilding your credit thereby increasing your credit score.

Documentation requirements will vary from situation to situation. In general you may be asked to provide some or all of the following information: 1) Copy of your driver’s license. 2) Proof of residence. 3) Proof of your monthly income. 4) Personal references

Absolutely not. Our goal is to make the entire process as stress-free and convenient for you as possible. We would like to be more transparent, open, and honest in dealings with our clients. Should getting a car loan be on your agenda, we strongly believe that our level of service to you is something that you will be extremely pleased with.

Loan amounts vary based on the value of the vehicle, credit history and other terms with lenders. As an example, if the value of the vehicle you are buying is $20,000 and your Loan-to-Value limit is 110%, then your loan amount will be limited to $20,000 x 110% = $22,000. Call us anytime at 604-563-9333 during office hours to speak with one our representatives.

We recommend applying as soon as you are ready and able to make steady payments. It takes time to rebuild a less than perfect credit score and the sooner you start the better. You might apply when you are in need of acquiring a new vehicle or are looking to upgrade your current vehicle depending on your credit or work situation. We don’t recommend buying the most expensive car possible but also want you to feel proud of owning your new car. As such, we will help you find a good balance and something you don’t have to second guess down the road.

The actual loan application is kept confidential. We take the privacy of our customers very seriously and do not share this private information with others. Our clients take comfort in the fact that there are zero fees required to submit an application using our services. You will be contacted by one of our representatives regarding your loan application. One of our representatives will acquire any additional information that may be necessary for your application in order to get the best rate, term and therefore monthly payment that is fair to you. You will be notified of your status of application once we have secured a loan for you. We will help you select your vehicle by researching our large network of dealers. Our goal is to make the entire process stress-free, convenient, and worthy of referring to friends and family.

There is ZERO obligation to use our services after submitting your application or at any time along the process. We do however insist that you make a firm decision and inform us immediately so we can contact the lender and inform them that you will not be taking advantage of their approval. We have a great network because of our time in the industry, connections, and excellent service and would not compromise this nor our integrity just to make a sale. We work with you to make sure you do not make a rushed and uninformed decision that you will regret down the road. We want our process to get you what you want even if it takes a bit longer for you to make a decision. We understand that sometimes the timing just isn’t right and a no just means ‘not now.’ Should you decide to revisit us again in the future we can proceed again as normal to get you approved and starting the credit rebuilding process.

We work hard to get our clients the best value we can for their next vehicle in a way that is reasonably fair. In many cases, a trade-in helps to reduce not only the loan amount but also the taxes that you will be paying for the new or used vehicle. A detailed inspection of your current car is required to evaluate what we can offer you for your trade-in. You may also choose to sell your vehicle privately if you would like to save additional cash. The only downside to doing that from what we have seen is that many people don’t get around to selling their car (as easy as it is) and thus delay the process of getting their next vehicle. You may contact us at any time at 604-563-9333 during office hours to speak with one our representatives for more information on this process.

Jamie Arens

General Manager

Jamie was born in Kamloops, but soon moved to Nanaimo as a child. He enrolled at VIU to attend the Business Administrative Program. Following his schooling he began his career in the auto industry with TD Auto Finance for 3 years, then later moving to Carfinco for two years as Regional Manager. Jamie relocated to Edmonton, AB. to join the Chrysler family for a year before taking the plunge to open up his first dealership in Surrey, BC with long-time friend Tyler Atkins. With their first year being a success they made the move to a larger location in Burnaby, BC.

Tyler Atkins

General Manager

Tyler was born and raised in Nanaimo where he studied English and Philosophy at VIU before making his way into the auto industry. He spent his first years as a TD Auto Finance Service/Marketing Rep for auto dealers. He was soon headhunted and brought to Edmonton for his expertise in the area.
After a few years of getting his feet wet he opened up the BC Auto Centre doors with long-time friend Jamie Arens. Tyler’s dream car is a Pagani Huayra.

John Blake

Senior Finance Manager with BC Auto Centre

John Blake is our charismatic Financial Manager. He was born and raised in Edmonton, AB. where he took that charismatic attitude and voice to NAIT to attend the Radio/Television program. He moved to the lower mainland 25 years ago and out of those 25 years he has spent 23 years of those in the auto industry in many capacities such as Sales Manager, Financial Manager, and Owner. John is a no nonsense guy who will give you 110% to get you in the best vehicle possible! He loves eating out, skiing and dirty biking with his two kids. His dream car is a 1995 Porsche 911

Raj Sidhu

Senior Finance Manager with BC Auto Centre

Raj was born in Campbell River, BC and moved to the lower mainland at an early age. He is happily married and has 3 beautiful children. He has worked as a branch manager with Wells Fargo Financial and HSBC Finance for 12 years and along with his 6+ years in the automotive industry, helping customers with challenging applications and rebuilding credit comes natural to him.

Raj will use his 18+ years of sales and finance experience for your application so you make the right decision with peace of mind and get the best deal!

Bonnie B

Finance Manager

Bonnie is a new addition to the BC Auto Centre family. She has done almost every job under the sun including building floating dock for marinas on Vancouver Island, a Mail Clerk for Canada Post, to an Assistant Manager for a popular vegan restaurant. This is her first time in the Auto Industry and she is picking it up at a quick pace! Bonnie has a keen interest in Interior Design and Renaissance Art. She is extremely busy with part-time studies and full-time at the dealership, however, when she gets a free moment she loves to travel; her next trip is to Buenos Aires, Argentina in the Fall!

Vlad

Finance Manager

Originally from Ukraine, Vlad moved to Canada with his wife in 2013. He started as a Sales Associate in 2014 and worked for two other dealerships before joining BC Auto Centre. Vlad is very service oriented and strives to find a perfect fit for every customer he works with. He will go out of his way to get you the most comfortable vehicle you can afford.

His favourite car is a BMW 5 Series E39 body.