We understand your situation
Your goal, needs and the budget you want to protect.
Clarity from the start
A conversation, options and next steps.
Buy and finance a car in BC
Buy and finance a car in BC with more options.
Understand your options. Find the right deal.
Clear guidance, access to 13 dealerships, 9 new-vehicle brands and 2,800 new and pre-owned vehicles, plus help reviewing the lenders, vehicles and programs that may fit your situation.
Once you apply, we can review more precisely which vehicles, programs and discounts you may qualify for.
Novastart with Rick JaramilloInformation before you sign.
13 dealerships9 new-vehicle brands, plus pre-owned vehicles from many brands.
2,800 vehiclesNew and pre-owned options.
Buy, finance or leasePromotions, discounts and manufacturer programs.
Why Novastart exists
Buying well starts with making an informed decision.
The problem is not you or a “bad credit” label. The risk is making an expensive decision inside a complicated system without knowing your options or how to use credit to your advantage.
I am Rick Jaramillo. I share real experience and practical information so you can compare, ask better questions and decide with more clarity.
I do not mark up your rate to earn more.If you qualify for a lower rate among the options we review, that is the one I present. My business is built on a good deal, your recommendation and your return.
My mission is to help people avoid paying more than necessary because they did not know their options or receive guidance to build and protect their credit.
How it works
A simple process. An informed decision.
You complete the application
It is the best way to start. If you prefer, we can also meet at the dealership. Lenders, vehicles and programs vary by situation.
We review your options
We review the options you may qualify for and help you find a vehicle that fits your needs.
We stay with you
After delivery, you can come back whenever you need guidance about your vehicle, credit or business.
New vehicles from selected brands
More options before you settle.
Through the Applewood network, I give you access to 13 dealerships, 9 new-vehicle brands and 2,800 new and pre-owned vehicles. We can explore buying, financing or leasing, and check applicable manufacturer rebates, discounts and special programs.
Selected new-vehicle brands.
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Mazda SUV
Which Mazda fits you? Compare models based on fuel consumption, your preferences and budget.
Compare Mazda options
Nissan Rogue
Looking for an SUV for your family? Let’s review whether its space, features and payment fit your needs.
Ask about a Rogue
Nissan Leaf
Would switching to electric suit you? Let’s review where you could charge, how much you drive and your financing options.
See if it fits meInventory and promotions change. Availability, trim, price, program and approval are confirmed when we review your situation.
Real people
Every story starts differently.
The goal is not to push you into any vehicle. It is to understand what you need, support you through the process and stay available after delivery.
An option for each situation
Credit, documents and needs vary from person to person.
Support after delivery
You can call me again about service, a warning light, a collision or your next steps.
What clients say about working with me
See all reviews on Google★★★★★
“He answered my questions, and thanks to his experience I did not let other people damage my credit history.”
Lilian AR · Google · Translated from Spanish
★★★★★
“He gives you proper guidance, looking to help you get the product you want at the best price.”
Alvaro Andres Salom · Google · Translated from Spanish
★★★★★
“Rick is very kind and ready to answer questions before, during and after the purchase.”
Walberto Alomia · Google · Translated from Spanish
Featured guides
Learn before you finance.
A selection built around the questions and topics most useful to our community.
Finance a car as a newcomer in Canada
What can change and how to prepare before you apply.
Read the guideBuild credit as a newcomer buying a car
Habits that may improve your options.
Explore creditHow car loan rates and approval work
Understand the factors lenders review before you apply.
Read the guideGet your BC Class 5 without a second road test
Who qualifies for the October 19 change, and which restrictions remain.
Read the guideExplore the library
More guides for what comes next.
BC driver licensing
Use ICBC’s official information to understand licensing steps for new residents.
Visit ICBCBC insurance
Review ICBC’s official information before choosing coverage for your vehicle.
Visit ICBCICBC offices and services
Find official service information and prepare for your next licensing step.
Visit ICBCFrequently asked questions
Before you start.
Can I finance a car if I do not have PR yet?
There may be options before permanent residence. Approval and terms depend on your application, documents, credit, vehicle and lender.
Do I need a full Class 5 licence?
Not always. Some lenders may accept an N licence while others require a full licence. Insurance can also cost more depending on your experience and licence type.
What if I am not ready to apply yet?
You can message Rick on WhatsApp with your questions. When you are ready, the application lets us review the vehicles, programs and discounts you may qualify for.
How can I build or improve my credit?
Start with clear habits and learn what affects your credit history. Explore our credit guides and follow the practical advice I share on social media.