- 19368 Fraser Hwy, Surrey, BC, V3S 6K6, Canada
- 1530 Boundary Rd, Burnaby, BC V5K 4V4, Canada
- 604-510-5060
Getting approved for a car loan shouldn’t be harder than picking the car itself. At Exclusive Motor Group, our finance team works with over 20 lending partners — including major banks, credit unions, and specialty subprime lenders — to find you the best rate and term for your situation. We handle car financing for buyers in Surrey, Burnaby, Langley, Cloverdale, Walnut Grove, Aldergrove, and across the Lower Mainland. Whether you’re financing a $50,000 Mercedes or a $250,000 Lamborghini, the process is the same: fast, transparent, and built around you.
We specialize in situations other dealers avoid. Bad credit car loans in Surrey? We’ve done hundreds of them. Newcomer to Canada with no credit history? We have lenders who work specifically with new PRs, work permit holders, and international students. First-time buyer with a thin file? We’ll find a way. The point is — if you have a job and a down payment, we can almost always get you approved. And if we can’t, we’ll tell you straight up instead of wasting your time.
Our Surrey showroom is at 19368 Fraser Hwy — right on the Langley border, about 8 minutes from Langley City, 10 minutes from Cloverdale, and 15 minutes from Aldergrove. Our Burnaby showroom is at 1530 Boundary Road. Apply online in 60 seconds with no credit impact, or call us at (604) 510-5060 and we’ll walk you through it over the phone.
Tell us the exact make, model, year, and colour you want. Our sourcing team will tap into our dealer network across North America and put you behind the wheel — without the legwork.
If you’ve been searching for a bad credit car loan in Surrey BC and getting nothing but rejection letters, you’ve been talking to the wrong dealers. Most franchise dealerships in Surrey and Langley only work with tier-one lenders — the banks that want a 700+ credit score and a spotless payment history. If your score is 650, 550, or below 500, they show you the door and tell you to “come back when your credit improves.” That’s not how we operate.
Exclusive Motor Group is one of the only pre-owned luxury car dealers in Surrey that specializes in bad credit auto financing. Our subprime lending network includes over 20 banks and credit unions across British Columbia that specifically fund car loans after bankruptcy, car loans after consumer proposal, and second-chance auto loans for buyers who’ve been turned down at every franchise dealer in the Lower Mainland. Whether your credit score is 650, 550, or below 500 — whether you’re dealing with collections, late payments, a maxed-out credit card, a divorce that wrecked your finances, or a business that went under — we’ve seen your exact situation before and we’ve financed people through it.
And here’s what really makes us different from every other bad credit car dealership in Langley and Surrey: we’re not a buy-here-pay-here lot selling $5K beaters with 200,000 km on them. We’re a pre-owned luxury dealer that happens to have the lending relationships to get bad credit buyers approved for Mercedes-Benz, BMW, Range Rover, Porsche, Jeep, and other premium vehicles that you actually want to drive. You get a real car with a real CARFAX — not whatever was cheapest at the Manheim auction last Tuesday.
Start with our 60-second online pre-approval. No credit impact. No obligation. No commitment until you decide to move forward. Or call (604) 510-5060 and talk to our finance team directly at our showroom on Fraser Highway — about 8 minutes from Langley City.
If you recently moved to Canada and you’re trying to buy a car in Surrey or Langley, you already know the wall you’re up against: no Canadian credit history means no car loan from any major bank. It doesn’t matter that you had a perfect credit score back home in India, China, Philippines, Iran, Pakistan, Nigeria, Brazil, South Korea, or anywhere else. Canadian lenders want Canadian credit history — and you don’t have any yet. It’s a catch-22: you need credit to get a loan, but you need a loan to build credit.
That’s exactly why newcomer to Canada car financing exists — and it’s exactly what we specialize in at Exclusive Motor Group. Our lending partners across BC have built specific auto loan programs for new immigrants to Canada that evaluate your employment status, income stability, time in Canada, and down payment — not your Canadian credit file, because you don’t have one yet. That’s the whole point. Whether you’re a new permanent resident who just got your PR card, on a work permit, an international student at SFU, KPU, BCIT, or UBC, or you arrived through any immigration stream — we have a path to get you approved for a quality pre-owned vehicle at our Surrey showroom near Langley.
We’ve helped hundreds of newcomers from across the Lower Mainland get into vehicles ranging from $15K daily drivers to $80K luxury SUVs. Many of them come back within 2 years to trade up once their credit is established — because every on-time car payment builds your Canadian credit score with Equifax and TransUnion. Your auto loan isn’t just transportation. It’s your first step toward a Canadian credit history that opens the door to credit cards, lines of credit, and eventually a mortgage.
Looking for used luxury car financing in Surrey BC? Most banks cap their auto loan programs at $75K to $100K. That doesn’t work when you’re buying a pre-owned Lamborghini Urus for $200K, a Mercedes-Benz G550 4×4 Squared for $230K, or a nearly-new Range Rover P530 for $180K. Our exotic car financing program covers pre-owned vehicles up to $350K+ through lending partners who specialize in high-value vehicle loans across British Columbia.
Whether you’re buying a used Mercedes-AMG S63 in Surrey, financing a pre-owned Porsche Cayenne S near Langley, putting a deposit on a Range Rover at our Fraser Highway showroom, picking up a C8 Corvette Stingray, or taking home a Dodge Charger Hellcat — we structure the deal. Prime rates for strong credit. Competitive rates for moderate credit. And yes, we’ve even financed exotic vehicles for buyers with less-than-perfect credit who had strong income and a solid down payment. The vehicle price doesn’t change the process — it just changes the lender.
Get pre-approved for exotic car financing online or call (604) 510-5060. We’ll give you your actual approval amount and rate before you even set foot in the showroom.
Step 1: Apply online in 60 seconds. No credit impact. We ask for basic info — name, contact, employment details, estimated credit situation, and the type of vehicle you’re looking at. You can also call (604) 510-5060 and do it over the phone.
Step 2: Our finance team reviews your application and submits it to the lending partners most likely to approve your profile. Prime applications go to tier-one banks for the best rates. Bad credit applications go to subprime specialists who understand your situation. Newcomer applications go to immigration-specific programs. We match you to the right lender so you get the best rate and terms your situation allows — not just the first approval that comes back.
Step 3: We call you with your pre-approval amount, estimated rate, and term options. No obligation. If the numbers work for you, pick your vehicle. If they don’t, you walk away with zero commitment and your credit score untouched.
Step 4: Pick your vehicle from our inventory, finalize the paperwork, and drive home. Most deals close the same day you visit the showroom. More complex files — bad credit, newcomer, high-value exotic vehicles — sometimes take 24 to 48 hours to finalize with the lender. Either way, we keep you updated every step.