At Driving With Us, we help customers get approved for a car loan in Edmonton — even if this is your very first time. No credit history, no problem. We have dedicated first-time buyer programs that use your income, not your credit history, to get you approved.
Yes — first time buyers get approved with us every single week. Having no credit is not the same as having bad credit. Lenders need to see that you can and will make your payments. Your job and income are the most important factors.
Your first car loan builds your Canadian credit score automatically. Every on-time payment is reported to Equifax and TransUnion. After 12 months of payments, your credit score can improve significantly, lowering future borrowing costs.
Choosing a vehicle priced around 10–15% of your annual income gives lenders confidence in your ability to repay and maximizes your approval odds.
Generally, lenders like to see $1,500–$2,000 per month in verifiable income. Part-time and seasonal income counts. If you are below that, contact us — we have options.
Not always. Many first-time buyers are approved without one. A co-signer can improve your rate but is not required.
A valid government ID, SIN, proof of income (pay stubs or employment letter), and proof of address (utility bill or bank statement).
It helps but is not required. We have $0 down programs available. Even a small down payment of $500–$1,000 can improve your approval odds and lower your monthly payment.
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