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New to Canada Car Loans

Welcome to Canada! You don't need a Canadian credit history to get approved for auto financing. We have specialized programs designed just for newcomers.

Newcomer Auto Financing Made Simple

Moving to a new country is exciting - but getting your first car shouldn't be complicated. Traditional lenders often require an established Canadian credit history, which leaves many newcomers stranded. CarLoans311 changes that.

We partner with lenders who have specialized programs for permanent residents, international students, temporary foreign workers, and new Canadians. You can get on the road quickly while starting to build your Canadian credit profile.

  • No Canadian credit history required
  • Permanent residents welcome
  • International students accepted
  • Temporary foreign workers eligible
  • Work permit holders can apply
  • Start building your Canadian credit from day one
  • Free application - no SIN required to start
Apply Now - Free & No Obligation

🇨🇦 Welcome to Canada!

Get your first Canadian car loan in just 2 minutes. No Canadian credit history needed. We'll find the right lender for your situation.

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Eligible Applicants
✓  Permanent Residents (PR) ✓  Work Permit Holders ✓  International Students ✓  New Citizens
Common Questions

New to Canada FAQ

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What documents do I need?
Typically your work permit or PR card, proof of income, and proof of address. Our application team will guide you through exactly what's needed for your situation.
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Can I use my home country's credit history?
Some of our lenders can consider international credit history. Even if not, our newcomer programs are designed to work without any prior Canadian credit history.
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How long does the process take?
The application takes under 2 minutes. Once submitted, our team matches you with a dealership typically within 24 hours, and you can be driving your new vehicle very soon after.


Ready to Get Behind the Wheel?

Start your application right now. It takes under 2 minutes, it's completely free, and it won't touch your credit score.

Start My Application - It's Free