It's Time2drive.
Get Behind The Wheel Today.
No matter your credit situation — bad credit, no credit, bankruptcy, or perfect score, Time2Drive.ca gets you approved and into your dream car. Fast.
Get Pre-Approved Today!98% Approval Rate • Get Approved in Under 24 Hours • 50+ Lender Partners • $0 Down Options Available • Serving Interior and Northern BC • Your Job is Your Credit •
We Work With All Types Of Credit Situations
Your Credit Score Doesn't Define You.
We work with every credit situation. Our lender network is built specifically to help BC and Alberta residents.
The Golden Ticket to Your Next Vehicle:
While we can work with any credit background, our lenders require one golden rule to guarantee your success:
A steady source of income.
To secure your fast approval, you simply need to have verifiable income through either:
Standard Employment (Full-time or part-time)
Self-Employment / Business Income
As long as you are making money, we can get you driving. It’s that simple.
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Good Credit
We help you get approved and improve your score at the same time.
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Rebuilding Credit
We compare rates across 50+ lenders to make sure you’re getting the most competitive deal possible.
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No Credit History
New to Canada or just starting out? We’ve helped thousands like you
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Past Bankruptcy
Life happens. Our lenders specialize in post-discharge approvals.
Ready To Get Moving? Your Job Is Your Credit.
Your dream car is one click away. Take under 2 minutes to answer a few questions to get started. No credit check to get started. No hard credit check. No obligation. Just answers — and a plan to get you moving. Response within 24 hours guaranteed. No impact on your credit score to apply. Dedicated Canadian advisor assigned to you, Get a Free no-obligation quote for your next vehicle.
Why Time2Drive?
We Do The Heavy Lifting.
We work with every credit situation. Our lender network is built specifically to help Canadians who’ve been turned away elsewhere.
All Credit Situations
New to Canada, rebuilding credit, or coming out of bankruptcy? We have lenders specifically for your situation.
Rebuilding Credit
We compare rates across 50+ lenders to make sure you’re getting the most competitive deal possible.
Dedicated Advisor
No Credit History
You’ll have a real Local BC advisor in your corner — no call centres, no runaround, just genuine help.
100% Confidential
Past Bankruptcy
Your information is always secure and will never be shared without your explicit consent.
Service You Can Trust
Get on the Road with a Team You Can Trust
Buying a vehicle shouldn’t feel like a gamble. Whether you’re commuting through the Okanagan or need a reliable rig for the Northern winters, we’re here to make sure you get a fair deal and a vehicle that lasts. Time2Drive is ready to put in the work for you—no pressure, just straightforward help from people who know BC driving conditions.
See Your Options Today
It takes less than two minutes, and it won’t impact your credit score to see what you qualify for.
It’s simple and designed to save you time. You start by filling out our quick online application. Once submitted, Our team of experts review your details to match you with the best vehicle options and financing rates available in the Interior and Northern BC. We handle the heavy lifting—from credit approval to vehicle sourcing—so you can focus on getting behind the wheel.
Absolutely. We specialize in helping British Columbians with all types of credit backgrounds, including those dealing with past bankruptcies, consumer proposals, or no credit history at all. Ryan works closely with a wide network of lenders to secure the most competitive rates possible, regardless of your current credit score.
Yes! While we have deep roots in the Okanagan and Penticton areas, our services are specifically tailored to residents throughout Interior and Northern BC. Whether you are in Prince George, Kamloops, Fort St. John, or a remote rural community, we can manage the entire process remotely and even coordinate vehicle delivery directly to your door. We can service BC, and Parts of Alberta, just drop us a message, and we will help you get in your new ride.
We have access to a massive inventory ranging from fuel-efficient commuters and family-friendly SUVs to heavy-duty trucks built for BC winters. Because we focus on your specific needs first, We help source vehicles that are mechanically sound and suited for the rugged terrain and unique driving conditions of the BC Interior and North. All Vehicles are inspected and certified.
