One form online, and your phone won't stop ringing.
Many loan sites sell your details to whoever pays, so several dealers call at once.
Car financing across British Columbia
Get pre‑approved for the vehicle you want.
Tell us what you want to drive and a little about you. It takes about a minute. A licensed BC dealer takes it from there, explains every number clearly in the language you're most comfortable with, and nothing touches your credit until you say so.
- No credit check to apply
- Every number explained
- Multilingual support
- Licensed BC dealers
1 minto apply
0impact on your credit score
Same dayto hear from a dealer
Sound familiar?
Getting a car loan shouldn't feel like this
You signed, then found out what you agreed to.
Rates, add-ons and terms rushed through and never properly explained. That's how people get misled.
The bank declined you, and it felt final.
One bank's decision isn't your only option. Our dealer partners work with lenders who look beyond a single score.
Roadstar was built to fix all three.
The Roadstar promise
Five promises we stand behind
What you can expect every time you apply with Roadstar.
- A licensed, experienced dealer.Your inquiry goes to a licensed BC dealer we work with, experienced with every kind of credit situation.
- Full transparency.Rate, term, payment, fees and total cost explained before you commit. No hidden extras.
- A real person, fast.A licensed dealer calls you, usually the same day. Apply after hours and you'll hear from them first thing the next business day. No bots, no runaround.
- No credit check to apply.Nothing touches your credit until you give separate permission.
- Finance or lease, we find the fit.Your dealer looks at both and finds the option that best suits your budget and plans.
| Roadstar | Typical car loan sites | |
|---|---|---|
| Who contacts you | A licensed, experienced BC dealer | Varies |
| Preferred language | Ask for someone who speaks your language | Usually English or French |
| Costs and fees | Fully explained before you commit | Varies by dealer |
| Credit check to apply | None | Sometimes a soft check |
| Focus | British Columbia | Canada-wide |
How it works
From application to keys
- About 1 minute
Pick your vehicle and budget
Tell us what you want to drive, your monthly budget and a little about your income. No credit check.
- Usually the same day
Get pre-approved
A licensed BC dealer calls you, explains your options clearly, in your preferred language, and with your permission, gets you pre-approved with the lenders that fit.
- When you're ready
Drive away
Choose your vehicle at your approved payment, review every number, and sign only when it all makes sense.
Every credit situation
Whatever your credit, there's a road forward
Your credit history is only part of your story. Getting you approved and driving is our job, so leave the tough work to us. Tap the one that sounds like you to start.
The market right now, in plain English
If buying a car feels harder than it used to, it's not just you.
Prices, rates and lending rules have all shifted. Here's the short version, and why it can still work in your favour.
6.57%
Bank rates are up
The average auto loan rate at Canada's big banks was 6.57% in April 2026, according to the Bank of Canada.
2
Prime and non-prime lenders
Banks are prime lenders and mostly approve top credit. Non-prime lenders serve everyone else, from newcomers to people rebuilding. Our dealer partners work with both.
$
Dealer programs can beat the bank
Our dealer partners can access manufacturer and lender programs, including promotional rates on many new and certified pre-owned vehicles that come in below bank rates.
You don't have to settle for the bank's answer, or the bank's rate. Let our dealer partners shop it for you.
All financing on approved credit (OAC). Promotional rates vary by manufacturer, lender, vehicle and credit.
Nobody should feel embarrassed asking for a car loan, or sign something they don't understand. Roadstar exists so every BC driver gets straight answers, clearly explained.
The Roadstar Finance teamBuilt in BC
Built by people who know the BC car business
Roadstar Finance was founded in the Lower Mainland by people who have worked inside BC's car business and saw how often buyers were rushed, confused or turned away. Roadstar works only with dealers licensed by the Vehicle Sales Authority of BC.
Questions
Before you apply
How fast can I get pre-approved?
The application takes about a minute. A licensed BC dealer then calls you, usually the same day, and works on your pre-approval with their lending partners.
Will applying hurt my credit score?
No. Our form doesn't check your credit. A lender only checks your credit after you've spoken with the dealer and given separate permission.
Who will contact me?
A licensed, experienced BC motor dealer we work with, usually the same day.
Can someone explain it in my preferred language?
Choose your preferred language when you apply and we'll do our best to connect you with someone who speaks it. You should understand every number before you sign.
Can I get approved with less-than-perfect credit or a work permit?
Often, yes. The dealers we work with have lenders for blemished credit, consumer proposals, newcomers and work permit holders. They'll tell you honestly what's realistic.
Is Roadstar Finance a lender?
No. Roadstar Finance connects you with licensed BC motor dealers, who arrange financing through their lending partners. Every approval is on approved credit (OAC).