MyRide Auto (204) 414-5234

Financing · 999 William Ave, Winnipeg

Turned down
before?

Your credit is not the problem. Being sent to one lender was. We work with eleven, so we can usually find the one that says yes — bad credit, no credit, a past repo, a consumer proposal, or no Canadian credit history at all.

Get the number first, then pick the car. Falling for a vehicle before you know what you qualify for is how people end up disappointed at a dealership.

Over 1,000 vehicles in our network.

There isn't a car we couldn't get for you. What sits on our lot is a fraction of what we can reach — so do not narrow down what you want before you have asked. Get approved first, tell us what you are after, and we will go and find it.

We get people approved who have been told no.

  • Credit that took a hit

    A missed stretch, a collection, a past repossession, a consumer proposal or a discharged bankruptcy. None of it ends the conversation here.

  • No credit at all

    New to Canada, new to driving, or you have simply never borrowed. There are lenders who write a first file — we know which ones.

  • Income that is hard to prove

    Self-employed, contract, seasonal, tips, or several part-time jobs. Bring what you have and we will tell you what a lender needs to see.

Questions people ask before they call.

Will this hurt my credit score?
The first conversation is a conversation. Nothing is submitted to a lender until you tell us to submit it, and we will say plainly when that moment arrives.
What do I need to bring?
A driver's licence, something that shows income, and a void cheque or banking details. If you are missing one of those, call anyway — we will tell you what the specific lender needs.
Do I need a down payment?
Not always. It depends on the lender, the vehicle and your file. Money down usually improves the terms, but plenty of deals close without it.
Are the payments on the site what I would actually pay?
They are real biweekly finance payments at the rate and term shown beside each vehicle, on approved credit. What you personally qualify for depends on your file — once a lender approves you, the number stops being an estimate and we give you the exact one.
Can I get approved before I choose a vehicle?
Yes, and that is the order we recommend. Know your number, then shop inside it.

Four taps and your number

Ask about approval

Tap four answers, leave a number, and someone calls you back — usually inside five minutes. Nothing to fill in afterward.

What are you after?
Cash or financing?
Something to trade?
When do you need it?

Or skip the form and call (204) 414-5234.

Vehicles that approve easily.

Lower payment, easier file. These are the ones lenders say yes to most often — and they are examples, not the whole list.

2017 · Sedan

Chevrolet Cruze LT

$120/bw

168,893 km · 10.99% for 60 months

2017 · Hatchback

Ford Focus SE

$140/bw

135,122 km · 10.99% for 60 months

2022 · SUV

Chevrolet Equinox AWD LT

$145/bw

172,718 km · 9.99% for 84 months

2021 · Sedan

Toyota Corolla LE

$171/bw

168,312 km · 9.99% for 72 months

See every payment

Call now Get approved