All AutoYes programs Bankruptcy & Proposal Approvals · British Columbia

Past chapters.
Next chapters.

Bankruptcy or consumer proposal — discharged or active — we're still here.

If you've been through bankruptcy or are currently in a consumer proposal, you've likely been treated like a financial leper. That's not us. Many of our customers are mid-proposal or recently discharged, and they're driving cars they love. Trustee approvals handled where required. No judgment ever.

Get Approved Today Or call us
★★★★★ 4.9 Google rating
No SIN required to start
Soft credit check only
Active or done

Whether you're discharged or still in your proposal/bankruptcy, we have lender partners who work with you. Active proposals require trustee permission for new financing — we'll guide you through the conversation. Discharged 1+ year? Your file is more open than you think.

How approval works

Approval after the chapter ends.

Built for the realities of post-insolvency life: rebuilding credit, rebuilding life, needing transportation to do both.

1

60-second application

Tell us your situation — discharged date, or trustee + proposal start. Soft credit check confirms what's reported. No SIN required to start the conversation.

2

Trustee coordination (if active)

If you're mid-proposal, your trustee must approve new credit. We provide them the full loan terms in writing — no surprises, full transparency. Approval typically takes 3-7 days.

3

Drive — and rebuild your file

On-time auto loan payments are one of the fastest credit-rebuilding tools after insolvency. Most discharged customers cross 600 within 18 months — well-positioned for mortgages, credit cards, life rebuild.

What you'll need

Documents to bring

Insolvency files require specific documentation. Bring all of it — gaps slow us down.

Active proposal? Your trustee must approve any new credit before disbursement. Don't apply elsewhere first — multiple inquiries during a proposal complicate things. We coordinate the trustee paperwork so you don't have to chase it.

Why post-insolvency customers choose AutoYes

Most won't. We will.

Most banks and dealers

  • Auto-decline anyone with R9/R7 on credit report — usually for 7 years
  • Don't engage with active consumer proposals — period
  • Treat discharge date as the only number that matters, ignoring rebuild progress
  • Sales staff who literally roll their eyes when they see a Trustee letter

AutoYes Finance

  • Lender partners specifically built for post-insolvency files — discharged and active
  • Trustee coordination handled by our team — we send paperwork, not you
  • Approval looks at total picture: discharge date, income, employment, current rebuild
  • Salaried staff with experience helping post-insolvency customers — no eye rolls
What post-bankruptcy customers say
★★★★★ 4.9

Based on verified Google reviews

★★★★★

"Discharged 18 months when I applied. Five places said no first. AutoYes said yes — and it actually felt like progress, not punishment."

TM
Trevor M.
Surrey, BC
★★★★★

"Mid-proposal. Trustee approval took 4 days. Was driving 8 days after applying. Whole team treated me with respect — that meant more than the car."

LH
Lisa H.
Burnaby, BC
★★★★★

"Bankruptcy in 2022. Couldn't even get a credit card. AutoYes had me in a Forester at a payment I could afford. Score's at 680 now."

SK
Steve K.
New Westminster, BC

Sample testimonials — placeholder copy until launch reviews come in. Names and quotes will be replaced with verified Google reviews.

Bankruptcy / proposal — common questions

Honest answers about insolvency files.

Drawn from helping hundreds of British Columbians through and out of bankruptcy and consumer proposals.

Do I need to be discharged before applying?
No. We work with active proposals (trustee approval required) and discharged bankruptcies. Even a same-month discharge can sometimes get you started — call us for the specifics.
Will my trustee approve a car loan?
Most do, especially for transportation needed for employment. We provide the full loan terms in writing for your trustee's review. The conversation usually goes well when the loan supports your ability to keep working and making proposal payments.
Will this hurt my fresh start?
The opposite — if you make payments on time. A successful auto loan after insolvency is one of the strongest signals to future lenders that you've moved on. Most customers see meaningful credit recovery within 12-18 months.
How long after discharge until I can finance?
Same day, in many cases. Some lenders want 6-12 months of post-discharge stability, but we have partners who work with new discharges. Income and employment matter more than time.
What if I had a previous car repossessed during bankruptcy?
It complicates the file but doesn't end it. Disclose it upfront — hidden repos discovered later create bigger problems. We have lender partners who work with prior repos.
My partner went through bankruptcy but I didn't — does that affect me?
If you're applying solo, no — your file is yours. Joint applications include both files. Talk to us about the structure that makes sense.

A real chapter two.

60 seconds. No SIN required to start. Active or discharged — every post-insolvency situation welcome.

Get Approved Today

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

Call Get Approved Today