Get approved. Start driving today!

Approved. Even when the bank said no.

We've helped thousands of British Columbians get approved — bad credit, no credit, newcomer, self-employed, or starting over.

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★★★★★ 4.9 Google rating
10+ Canadian lenders
No impact to your credit
AutoYes Finance customer shaking hands with our finance manager outside the dealership in Burnaby
Where you're at

We've helped someone just like you.

Every approval starts with a story. Tell us yours and we'll match you with the lender best suited to it.

Bad credit

Late payments, collections, or a low score

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No credit yet

First-time buyer or just starting

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New to Canada

Newcomer-friendly lenders, no Canadian credit history needed

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Self-employed

T1, gig income, or your own business

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Bankruptcy or proposal

Active or discharged — we work with both

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Not sure which one fits? Start anyway
How it works

Three steps. One transparent process.

No surprises, no SIN required to start, no impact to your credit. The way auto financing should work.

1
~60 seconds

Apply online

Five short steps on your phone. No SIN required to start. We'll text you a code to save your progress.

2
Under 1 hour

Get pre-approved

Our team shops your application across 10+ Canadian lenders. Soft credit check only — no impact to your score.

3
Often same day

Pick your vehicle. Drive.

Pick a vehicle from our transparent-price inventory. No haggling. What you see is what you pay — on every vehicle.

Start my application
Our lender network

10+ Canadian lenders. More chances of yes.

We shop your application across our full network of partner lenders — you only apply once, and we find the best fit.

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What customers say
★★★★★ 4.9

Based on verified Google reviews

★★★★★

"I'd been turned down at three other places. AutoYes had me approved in 40 minutes and in a Rogue the next day. No judgment, no pressure — just real help."

PK
Priya K.
Surrey, BC
★★★★★

"New to Canada, no credit history, two kids. Other dealers wouldn't even look at my application. AutoYes worked with a newcomer lender and got me into a family SUV in a week."

DS
Davinder S.
Burnaby, BC
★★★★★

"After my divorce my credit was destroyed. The AutoYes team treated me like a person, not a credit score. Drove home in a Civic that same Saturday."

MT
Megan T.
Coquitlam, BC

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Common questions

The questions everyone asks first.

Will applying hurt my credit?
No. We use a soft credit check for pre-approval, which has zero impact on your credit score. You'll know exactly where you stand before any lender does a hard pull — and we'll always tell you before that happens.
Do I need a co-signer?
Most of our customers don't. We work with 10+ lenders that look at your full picture — income, employment, residence stability — not just your credit score. If a co-signer would help in your specific case, we'll tell you upfront.
What if I'm in active bankruptcy or a consumer proposal?
It's possible. We've helped customers in active bankruptcy and consumer proposals get approved with the right lender. Apply and we'll tell you exactly where you stand within an hour during business hours.
I'm new to Canada — can I apply?
Yes. We have lenders that specialize in newcomer financing — no Canadian credit history required. Our team can discuss your application in English, Punjabi, Hindi, Mandarin, Cantonese, Korean, Farsi, or Portuguese. Just let us know.
How fast can I drive?
Often the same day or the next business day, once you've picked your vehicle. Pre-approval is usually under 1 hour during business hours, and our team handles the paperwork on-site at our Burnaby location.
What kind of vehicles can I get?
Cars, SUVs, trucks, and vans across a wide range of makes. We focus on reliable, well-maintained pre-owned inventory — once you're pre-approved we'll walk you through the vehicles that fit your budget.
What's the minimum income I need to qualify?
Most lenders we work with require approximately $1,800/month in verifiable income, and a minimum of 3 months at your current job. Self-employed income, gig work (Uber, DoorDash), EI, and disability income are all considered — not just T4 employment.

Ready to find out?

60 seconds. No SIN required. No commitment. No impact to your credit.

Get Approved Today

Or call us: (604) 000-0000 · Mon–Sat 9am–7pm

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