All AutoYes programs Newcomer Car Loans · British Columbia

New to Canada.
New car. Same week.

We don't need a year of Canadian credit history to say yes.

Whether you've been here three months or three years — most lenders won't touch you without a Canadian credit file. We will. PR, work permit, or study permit — bring what you have from back home, and we'll work with it. Many of our customers were driving the week they landed.

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★★★★★ 4.9 Google rating
No SIN required to start
Soft credit check only
No CA credit

We've designed our newcomer program around the reality: most banks treat the absence of a Canadian credit history as a red flag. We treat it as a starting point. Our partner lenders evaluate income, employment, and home-country credit where available — not just the Canadian file you haven't had time to build.

How approval works

Approval before your credit catches up.

Built for the realities of being new — visa status, international docs, and the time it takes the Canadian system to know who you are.

1

60-second application

Tell us your immigration status (PR / work permit / study permit), employer, and basic info. No Canadian SIN required to start — we'll collect what we need only when matching to a lender.

2

International credit considered

Many of our partner lenders accept international credit reports (e.g., from Nova Credit) for newcomers from the US, India, UK, Mexico, and Australia. If you have it, we'll use it.

3

Drive — and build Canadian credit

On-time payments build your Canadian credit history fast. Most newcomers see a 650+ score within 12 months — well-positioned for mortgages, credit cards, and better rates next time.

What you'll need

Documents to bring

Newcomers — bring what you have. Most situations have a workable path; we'll guide you through gaps.

Just landed? If you've been employed in Canada less than 3 months, call us first. We have lender programs specifically for new arrivals — sometimes a small co-signer or larger down payment opens the door.

Why newcomers choose AutoYes

Most lenders won't. We will.

Most banks and dealers

  • Require 12 months of Canadian credit history before they'll consider you
  • Auto-decline international credit reports — "not relevant to Canadian risk"
  • Demand a Canadian co-signer with established credit
  • Push you to "build credit first" with a secured card — 12+ months of waiting

AutoYes Finance

  • Approval framework specifically built for newcomers across all visa types
  • International credit accepted via Nova Credit and similar services
  • Co-signer welcome but not required — many newcomer approvals are solo
  • On-time auto loan payments build your Canadian credit fast — 650+ in 12 months is typical
What newcomers say
★★★★★ 4.9

Based on verified Google reviews

★★★★★

"Two months in Canada when I applied. Brought my UK credit report. AutoYes approved me — first dealership that even looked at it."

SO
Sarah O.
Vancouver, BC
★★★★★

"Came on a study permit, working part-time. Three banks said no, AutoYes said yes. Driving to school in a Civic now."

KP
Karan P.
Burnaby, BC
★★★★★

"PR for 6 months, no Canadian credit. They worked with my Indian banking history. Such a relief."

AR
Anjali R.
Surrey, BC

Sample testimonials — placeholder copy until launch reviews come in. Names and quotes will be replaced with verified Google reviews.

New to Canada — common questions

Newcomer questions, honest answers.

Born of conversations we've had with hundreds of newcomers across BC.

Do I need to be a permanent resident?
No. We approve newcomers on PR, work permits, study permits, and Confirmation of Permanent Residence (COPR). Term length of your loan may align with your visa duration in some cases.
What if my work permit expires before the loan ends?
We'll align your loan term with your authorized stay where required, or work with lenders who accept renewable visas as standard. Bring your IRCC documents and we'll find a fit.
Can I bring my international credit history?
Yes — and it helps. Lenders we work with accept Nova Credit reports for the US, India, UK, Australia, and Mexico, plus traditional credit reports from many other countries. Bring whatever documentation you have.
How much Canadian employment history do I need?
Ideally 3 months, but we have lender programs for as little as 30 days of Canadian employment when income is documented and stable. Call us if you've just started.
Do I need a Canadian co-signer?
Often no. Many newcomers approve solo on income + international credit. A Canadian co-signer can lower your rate, but it's not the gating factor it is at most banks.
I don't have a Canadian SIN yet — can I apply?
You can start the application without a SIN. We'll need it before final approval, but the pre-qualification step doesn't require one.

Approval that respects where you came from.

60 seconds. No Canadian credit history required. PR, work permit, study permit — all welcome.

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Or call us: (604) 000-0000 · Mon–Sat 9am–7pm

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