New to Canada? Your first key is here.
No Canadian credit history yet is completely normal when you have just arrived. Several lenders have newcomer programs built for exactly this. We match you with them, find a reliable vehicle, and your car loan starts building your Canadian credit from day one.
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
What newcomer lenders usually ask for
Requirements vary by lender. These are the usual starting points.
Status in Canada
Proof you are here to stay or working here, such as a permanent resident card or a valid work permit.
A job in Canada
Proof of employment and income here, usually a job letter or recent pay stubs.
A driver's licence
A valid licence you can drive on in your province.
Down payment, sometimes
Some newcomer programs ask for money down, especially if you have been working here a short time.
The honest part: without Canadian credit history, your first rate may be higher than someone who has been here for years, and some programs need a down payment.
The payoff is real. A car loan paid on time is one of the fastest ways to build a Canadian credit file, which helps with everything that comes after.
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 Canadian credit history?
Yes. Some lenders offer newcomer programs that approve based on your status, employment and income here rather than a Canadian credit score.
Does my credit from my home country count?
Usually not. Canadian lenders mostly rely on Canadian credit history, which is why newcomer programs exist.
Do I need a down payment?
It depends on the lender and your situation. Some newcomer programs ask for one, others do not.
Will this help me build credit in Canada?
Yes. A car loan paid on time is reported to Canadian credit bureaus and helps build your file.
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.