Newcomers to Canada

Car Loans for Newcomers to Canada

New to Canada with limited credit history? Our lenders understand your situation and offer tailored financing programs for new permanent residents and workers.

International Credit Considered

Some lenders accept international credit history. Ask our team what documents to bring from your home country.

Fast Processing

We understand you need transportation quickly when settling into Canada. Our process is designed for speed.

Flexible Terms

Loan terms from 24–84 months. Choose a payment schedule that fits your new Canadian income.

What to Bring

Having these documents ready speeds up the approval process significantly.

Work permit, PR card, or study permit
Proof of Canadian employment or offer letter
3 months Canadian bank statements
Government-issued photo ID (passport accepted)
Proof of address (utility bill or lease)

Also Useful to Know

A down payment of $1,000–$3,000 greatly improves your approval chances and reduces your interest rate when you have no Canadian credit history.

Auto financing is one of the fastest ways to build Canadian credit. Consistent on-time payments are reported to the credit bureaus monthly.

We work with buyers from all countries — no matter how recently you arrived in Canada.

Welcome to Canada — Let's Get You on the Road

Apply today. No Canadian credit history required.