North Island Nissan
2700 N Island Highway, Campbell River, BC, V9W 2H5
250 287-7272
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Nissan Financing on the North Island -- Where All Credit Types Are Welcome

Getting into the right vehicle shouldn't depend on a perfect credit score. At North Island Nissan, we work with all credit types, including challenged credit, past bankruptcies, consumer proposals, and no credit history at all. We're Campbell River's second-chance financing specialists, and we're here to help, not judge.


At North Island Nissan, we make sure to work with you to find the best plan possible for Nissan leasing or financing in Campbell River and Vancouver Island. For your convenience, you can apply for credit online, and you can count on getting quick pre-approval. We can get you the best rate and terms tailored to your needs, whatever your current situation--in fact, we offer the most successful services for second-chance credit in Campbell River and Vancouver Island!

Whether you're looking to buy a new Nissan, or are leaning towards a pre-owned vehicle, we have the specialists on site to get you the best car loan solution on Vancouver Island. We invite you to contact us online or give us a call at 250-287-7272 to learn more about our Nissan financing services in Campbell River.

Credit FAQ

Credit is essential for borrowing money. Your credit worthiness is rated by the three credit reporting agencies and FICO. The scores represent the likelihood that a person will repay their loans, and it's determined by a person's borrowing history and other variables. Below are answers to frequently asked questions about credit, credit reports, and credit scores. If you have additional questions, don't hesitate to contact our Finance Department.

A credit score represents your creditworthiness and it's used by lenders to gauge whether a person will make payments on time. Scores are largely based on your borrowing history. The most common type of credit score available to consumers is the FICO score, which ranges from 300-850. The higher the credit score, the more likely you'll be able obtain credit and/or secure a lower interest rate.

If you have less than perfect credit, don't fret; you're not alone. Millions suffer from bad credit for a variety of reasons. To improve your credit, start by getting reports from all three reporting agencies. This will shed light on what exactly is impairing your credit. Credit reports may contain inaccuracies you can correct to help get your credit back on track. Paying down high balances and paying on time will go a long way to improving your credit.

Credit scores range between 300 and 850. Typically, a good credit score is above 700.

The average credit score is 680. Anything below 620 is considered a poor score, or 'sub-prime.'

For those who already have a good credit score, rest assured that it's much easier to maintain a good score than to improve a poor one. Good credit can be maintained by adhering to healthy financial habits, such as making payments on time and shopping on credit only when it's absolutely necessary. Avoid making dramatic credit changes and don't close old accounts. How do I maintain a good credit score?

Apply online in just 10 minutes. Our finance team works with Nissan Canada Finance and a trusted network of lenders to find you the best possible rate -- no matter where you're starting from. In many cases, we can get you a same-day pre-approval.

Been turned down elsewhere? North Island Nissan specializes in helping people who've hit a financial rough patch get back on the road. Bad credit, no credit, bankruptcy, consumer proposals? Our finance team has helped customers across the North Island find a financing solution that works for their situation.

Not sure whether to finance or lease? Financing means you own the vehicle outright when the term is up. Leasing typically means lower monthly payments with the option to upgrade at the end of your term. Our team will walk you through both options -- no pressure, no jargon.

If you've recently arrived in Canada with no Canadian credit history, ask us about the Nissan Newcomer Program -- designed specifically for new Canadians with work permits, study permits, or permanent resident status. Ready to get started? Apply online at northislandnissan.ca or call 250-287-7272. Our Campbell River finance team is here to help.

Credit Recovery

If it's time to start rebuilding your credit and make a fresh start when it comes to your budget, your credit rating, and a new vehicle, a car loan is a very good place to start! When you are approved for an auto loan your credit will start to improve in as little as a year of making regular payments on time. Generally people go to a dealership, select a vehicle and then get approved for that vehicle. If you weren't approved it's generally because of an issue with credit (or other issues, which we also can help with).

Maybe you've experienced a job loss or family illness and that left you unable to make payments, so your credit report shows that you've made late or missed payments, or even defaulted on a loan. We understand that things happen in life, and it's easy to be surprised, and have to make choices. We're not here to judge, in fact the opposite: we're here to listen to your situation, work with you to come up with a plan for credit recovery, and get you on the road to better credit!

At North Island Nissan in Campbell River, our team will work hard to get you approved, and into a vehicle that suits your wants and needs. Save time and start the preapproval process on-line with just a few clicks!

Yes. North Island Nissan specializes in second-chance financing for all credit types, including bad credit, no credit, past bankruptcies, and consumer proposals. Apply online in 10 minutes or call 250-287-7272.

In many cases, we offer same-day pre-approval. Our finance team works quickly with Nissan Canada Finance and our lender network to get you an answer fast.

Financing means you own the vehicle outright at the end of your term. Leasing typically offers lower monthly payments with the option to upgrade. Our team will walk you through both. Come in or call 250-287-7272.

Yes. North Island Nissan works with customers who have gone through bankruptcy, consumer proposals, and other credit challenges. We won't turn you away -- we'll find a path forward.

Our second-chance financing program is specifically designed for customers who have been turned down elsewhere. We work with all credit types -- there is no hard minimum.

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