Financing built for the electrified era.
Apply online in 10 minutes and get pre-approved within 24 hours. EV Studio matches you with 15+ Canadian lenders — good credit, bad credit, or new credit.
Apply for financing
Seven short steps · Pre-approval within 24 hours
Step 1 of 7
Do you have a vehicle to include?
If you have another car, we can factor its value into your purchase and potentially lower your overall cost.
Continue securely in a quick modal — your application takes about 10 minutes.
How financing works
Apply online
Complete a 10-minute secure form with your basic details and income.
Get pre-approved
Receive pre-approval from at least one matched lender within 24 hours.
Choose your vehicle
Shop within your approved budget and finalize delivery.
Lenders we work with
- Major Canadian banks
- BC credit unions
- Subprime specialty lenders
- New-to-credit programs
- Non-prime vehicle financing specialists
What you'll need to apply
- Valid government-issued ID
- Proof of income (pay stubs, T4, etc.)
- Proof of residence
- Down payment details if applicable
- Insurance information
Bad credit financing — how it works
Subprime financing exists specifically for buyers with limited, damaged, or rebuilding credit. EV Studio partners with non-prime specialists who underwrite based on stable income and employment, not just your credit score. Expect rates in the 14 to 29 percent range depending on your profile, vehicle, and down payment. Most subprime loans run 60 to 84 months. The path forward is straightforward: make on-time payments for 12 to 18 months, then refinance to a lower prime or near-prime rate. We disclose every cost before you sign — no surprises at delivery.
Financing FAQs
Ready to get pre-approved?
Apply online in 10 minutes. Pre-approval in 24 hours.