BC Drive Special Financing Program Vehicle financing for rideshare, delivery, gig and contract workers, plus eligible private-sale vehicle purchases across BC.
At BC Drive, we help drivers across British Columbia, and we know a one-size-fits-all approval process does not work for everyone. Non-traditional income can be harder to fit into a standard application, and private-sale purchases have different financing requirements. We look at your full situation and show you the options available based on how you earn and the vehicle you’re buying.
Who this car financing is for.
Rideshare drivers
Uber, Lyft and other rideshare drivers whose income does not show up as a standard salary.
Food delivery
DoorDash, SkipTheDishes, Uber Eats and other courier drivers earning across BC.
Gig workers
People earning through multiple gigs, platforms or short-term work.
Independent contractors
Contract and freelance workers who invoice rather than collect a paycheque.
Self-employed
Business owners and self-employed buyers with variable or seasonal income.
Private-sale buyers
Found a vehicle on Facebook Marketplace or Kijiji? Eligible private-sale purchases can be financed.
Car loans for gig, rideshare and delivery drivers in BC.
Financing that looks beyond a standard pay stub
Traditional vehicle financing applications do not always reflect how gig and self-employed workers earn. Income from rideshare, delivery apps, contract work or multiple sources may not fit neatly into a standard application, even when the vehicle payment fits your budget.
Through the BC Drive Special Financing Program, we work with lenders who consider non-traditional income. This sits alongside our standard vehicle financing for buyers with more conventional income. We look at your full situation and explain what options may be available before completing a hard credit check.
- Rideshare, delivery, gig, contract and self-employed income considered
- Options for limited credit, rebuilding credit and established credit
- No hard credit check for the first conversation
- Work directly with a financing specialist, not a call centre
Private-sale vehicle financing in BC.
Found the right vehicle through a private seller?
Buying privately can give you more vehicle options, but arranging the financing and handling the transaction is not always simple. Through the BC Drive Special Financing Program, we can help finance eligible vehicles found on Facebook Marketplace, Kijiji, Craigslist or through someone you know.
Before you commit, the vehicle must pass an inspection and have a current CARFAX report. This helps confirm its condition and history while making sure it meets the program requirements.
BC Drive coordinates the financing, purchase and paperwork with the seller, giving you a clear process from start to finish. If you have not settled on a vehicle yet, you can also browse our used vehicles and new vehicles.
- Financing for eligible private-sale vehicles across BC
- Facebook Marketplace, Kijiji and Craigslist listings considered
- Inspection and CARFAX report required
- Financing options reviewed before you move forward
- Purchase and paperwork coordinated with the seller
How the approval process works.
Tell us about your situation
Tell us how you earn, what you need and whether you’ve already found a private-sale vehicle. There’s no immediate hard credit check to start.
We review the full picture
We look at your income, budget, credit situation and vehicle needs to identify the options available. For a private-sale vehicle, we also confirm the inspection and CARFAX requirements.
Review your options
We explain what you may qualify for and what the next steps would be. You stay in control and decide how you want to move forward, without pressure. Prefer to talk it through first? Get in touch.
Common questions about special financing.
Can I get a car loan as an Uber or rideshare driver in BC?
Yes. The BC Drive Special Financing Program works with lenders who consider rideshare income, including Uber and Lyft drivers, rather than requiring a traditional salary and pay stub. We review your full situation and there is no immediate hard credit check to start.
Can gig workers and independent contractors get approved for financing?
Yes. Gig workers, food delivery drivers, independent contractors and self-employed buyers are who this program is built for. We work with lenders who consider income from non-traditional sources instead of declining an application for not having standard employment income.
Can I finance a car from Facebook Marketplace or Kijiji in BC?
Yes. Eligible private-sale vehicles found on Facebook Marketplace, Kijiji, Craigslist or through someone you know can be financed through the program. BC Drive coordinates the financing, purchase and paperwork with the seller so the process is clear from start to finish.
What does a private-sale vehicle need to qualify?
The vehicle must pass an inspection and have a current CARFAX report before it can be financed. This confirms its condition and history, and makes sure it meets the program requirements.
Can I get a car loan with bad credit as a gig or rideshare worker?
Bad credit does not automatically rule you out. The BC Drive Special Financing Program reviews limited credit, rebuilding credit and established credit, and works with lenders who look at your income and full situation rather than a score alone.
Do I need to have found a vehicle already?
No. You can start before you have picked anything out. If you have already found a private-sale vehicle, tell us and we will factor it in, including the inspection and CARFAX requirements.
Will checking my options affect my credit score?
There is no immediate hard credit check when you first get in touch, so you can see what options may be available without an impact to your credit score. There is no obligation and no pressure to move forward.
Start with your approval. Shop with clarity.
The first step takes two minutes and will not affect your credit. We respond the same day.