Kyle Sethi specializes in approvals others decline. Scores from 300+ considered. Bad credit, missed payments, collections — Kyle has lenders for every situation.
Bad credit financing — also called subprime or non-prime financing — is vehicle financing designed specifically for people with low credit scores, missed payments, collections, or other credit challenges. Kyle works with a network of specialty lenders across BC who focus exclusively on these situations.
Scores from 300+ are regularly approved. A low score is just a starting point — not a final answer.
Past missed payments or collections don't automatically disqualify you. Lenders look at the full picture.
Short credit history or a thin file? Kyle has lenders who work with limited credit profiles every day.
Kyle regularly works with clients with scores as low as 300. While lower scores may come with higher interest rates, there are often options available regardless of your score.
No. The initial consultation and form submission have zero impact on your credit score. Kyle explains exactly what will happen before any application is submitted.
Yes. Kyle structures financing products so that every on-time payment is reported to the credit bureaus — actively rebuilding your score over the term of your loan.
Bad credit, no credit, past declines — Kyle gets you approved. Free consultation, zero obligation.