Anders gets
you approved.
I'm Anders. Bruised credit, new credit, post-bankruptcy, collections, consumer proposal — or prime credit looking for a great deal. I take your file to the lender most likely to say yes, not just the first one.
Real BC deliveriesSee the stories
On approved credit. Rates & terms.
The gong goes off — every approval ends here.
Go Kia Richmond · every approval ends here
What is ApprovedByAnders?
ApprovedByAnders is a vehicle financing service for British Columbia drivers — whether you're rebuilding after a bankruptcy or consumer proposal, new to credit, or already have prime credit and want a strong deal. Anders Ponton is a financing representative at Go Kia Richmond, part of the Go Auto group — 70+ dealerships across Canada that have financed more than 300,000 people. You submit one application, and it goes to the lender most likely to approve your situation.
From application to the vehicle you actually want
Getting approved is the first stop, not the destination. Here is the road most of my customers drive.
Stop 01 of 04
Apply
One application, reviewed personally by Anders. Bruised, new, rebuilt, or post-bankruptcy credit are all welcome.
Stop 02 of 04
Get approved
Matched to a vehicle that fits your budget and your lender's criteria — not just whatever is on the lot.
Stop 03 of 04
Build
On-time payments on the vehicle, alongside your other obligations, report to the bureaus every month. That is how a file starts to climb.
Stop 04 of 04
Refinance at 12–24 months
With a stronger file, many drivers can move into the vehicle they actually wanted — or keep this one and look at a lower payment.
Ready to hit the road that leads to prime credit?
One application. One real person on your file. Let's find your approval.
APPLY NOWIllustrative only. Credit improvement depends on your full credit profile and payment history, and refinancing is never guaranteed — it depends on lender criteria, equity, and the terms available at the time.
Recent approvals, real people
See all storiesReal customers on delivery day — photographed with the vehicles they drove home.
Photos shared with customer permission on delivery day.
Plain-language guides on credit rebuilding, lender expectations, and what approval actually takes in British Columbia.
Browse Credit ResourcesQuick answers before you apply
Can I get a car loan in BC with bad credit?
Yes. About 10% of credit-active Canadians sit in the subprime tier (TransUnion Canada, Q4 2025), and lenders finance those files every day. Approval leans on steady income, time at your job, and affordability — not on your score alone. Every approval is subject to lender review.
See what you qualify forCan I get financed after a bankruptcy or consumer proposal?
Yes. Bankruptcies and consumer proposals are more common than ever, and lenders review these files every day based on income stability, job tenure, and affordability. It is not an automatic no — but every approval is still subject to lender review.
See what you qualify forHow much income do I need to qualify?
Most lenders look for at least $1,800 per month and three or more months at your current job (guidance published by Go Auto). A down payment isn't always required, but it helps.
See what you qualify forDoes applying hurt my credit score?
Submitting an application authorizes me and the lenders I work with to obtain your credit report, which is a hard inquiry. If you only want to see where you stand first, use Go Auto's Equifax-powered pre-qualification — that's a soft check with no impact on your score.
See what you qualify forCan you guarantee I'll be approved?
No, and you should be cautious of anyone who does. No lender can legally guarantee approval. What I can do is take your file to the lenders most likely to say yes, and give you a straight answer either way.
See what you qualify forMore questions? Browse the full Credit Resources FAQ.