At Driving With Us, we help customers get approved for a car loan in Edmonton — even with no Canadian credit history. Whether you just arrived or have been here a few years, we have programs designed for newcomers to Canada. No credit history is not a barrier — your income is what matters.
Yes. Canadian lenders cannot use your credit history from another country, which means everyone starts fresh. We have newcomer programs specifically designed for permanent residents, work permit holders, and new citizens.
A valid status document such as a PR card, work permit, or study permit. Proof of Canadian income via pay stubs, an employment letter, or three months of bank statements. A Social Insurance Number (SIN) is required — temporary SINs starting with 9 are accepted.
Your first Canadian car loan is the fastest way to build your Equifax and TransUnion credit scores. Every on-time payment is reported and improves your future rates.
Yes, a SIN is required for a credit application in Canada. Temporary SINs (starting with 9) are accepted.
Yes. As long as you have a valid status document and Canadian income, we can try to get you approved. Even a recent employment letter works.
Unfortunately, Canadian lenders cannot access foreign credit bureaus. Your Canadian application starts fresh — but that also means your past does not hurt you.
Newcomers typically see rates between 9–18%, depending on income level and down payment. After 12 months of on-time payments, refinancing at a much lower rate is common.
Apply for a car loan in Edmonton today. Call us at (780) 938-0665 or apply online.
Driving With Us Auto Group | 13072 Yellowhead Trail, Edmonton, Alberta | drivingwithus.ca