No credit history? Everyone starts with a blank key.
No credit is not bad credit. It just means lenders have nothing to go on yet. We work with lenders who approve first time borrowers based on income and stability, and your first car loan becomes the start of your credit history.
What are you driving away in?
Pick a type. If you have a specific vehicle in mind, we’ll find it.
Where do we send your keys?
Name and phone is all we need to start.
Got two more minutes?
Fill this in and we call with a real plan instead of a list of questions.
Your actual role matters. It’s one of the first things a lender asks.
Count everything before deductions. Job, self employment, pension, support payments, side work.
You’re unlocked.
We have your details and we’ll be calling soon. No pressure, just a straight conversation about what will work.
Want to move even faster? Lenders usually ask for these first. None of it is required for a callback.
- A valid driver’s licence
- Your last two pay stubs, or another proof of income
- Registration for your trade in, if you have one
How lenders approve someone with no history
When there is no score to read, lenders look at you instead.
Income and job stability
A steady job with a few months behind you goes a long way when there is no credit file.
How long you have lived where you are
Stability at an address shows lenders you are settled.
A cosigner, if you have one
Not required, but a cosigner with established credit can open up more options and a lower rate.
A sensible first vehicle
A reliable, reasonably priced vehicle is much easier to approve for a first loan than a brand new top trim.
The honest part: a first loan with no history often comes with a higher rate than someone with years of good credit would get. What you get in return is a credit history that starts building from your very first payment.
Pay it on time for a year or two and you will be in a much stronger position for your next vehicle, a mortgage, or anything else.
The vehicle and the loan, handled together.
Our own inventory, a network that finds what we don’t have, and lenders for every credit situation.
Our inventory
Cars, SUVs and trucks ready to go.
We find it
Tell us what you want and we track it down across Western Canada.
We fund it
Your file goes to the lenders that fit your situation.
What people in your spot usually ask.
Can I get a car loan with no credit history?
Yes. Some lenders have programs for first time borrowers that focus on your income and stability instead of a credit score. Approval depends on the lender and your full application.
Do I need a cosigner?
Not always. A cosigner can help you get approved or get a better rate, but many first time buyers are approved on their own income.
Is no credit the same as bad credit?
No. Bad credit means there are negative marks on your file. No credit just means there is not enough history yet. Lenders treat them differently.
How do I start building credit?
A car loan paid on time is reported to the credit bureaus each month, which builds your history over time.
Not quite your situation?
Pick the one that fits better.
Your key is closer than you think.
Two taps and a phone number. We’ll take it from there.