Car Loans for Newcomers to Canada
Apply in under 2 minutes
A short form. Plain language. No jargon. No guessing what they’re really asking.
All residency statuses welcome
Permanent residents, work permit holders, foreign workers, international students.
No hidden fees. Period.
You’ll see your full cost breakdown before you sign anything.
Real people on your side
Our team works with newcomers every day. They know what documents you need.
9-SIN, New PR, Recently Naturalized. Still Approved.
New to Canada? GetGoing works with lenders across Canada who specialise in newcomer car loans. We don’t just match you with whoever will say yes. We find the lender most likely to offer you the best terms based on your status, income, and employment.
You’re Eligible to Apply If You Are:
Permanent resident
Foreign worker
International student
Recently naturalized
What You’ll Typically Need
Every application is different, but here’s what most newcomer applicants bring to the table:
- Valid residency or immigration document (PR card, work permit, or study permit)
- Proof of Canadian employment and income (recent pay stubs or employment letter)
- Canadian bank account showing regular deposits
- Proof of Canadian address (utility bill, lease agreement)
- Valid driver’s licence (Canadian or international)
Here's How Simple It Is:
Apply in a few minutes
Complete our easy online application in minutes. Pick your vehicle, your budget and wait for our call.
We'll find you the best deal
After completing your online application, you'll be contacted by an auto financing specialist in <24 hours. They will go over the details of your application and give you some options of cars you're already qualified for.
Drive away in your new car
After agreeing to the best deal, you can pick up your vehicle or maybe even have it delivered right to your door for free!
Why Canadians Choose GetGoing
100% online
Apply from home. No dealership visit, no waiting room, no pressure.
No credit score damage
We use a soft check to start. Your score stays exactly where it is.
No hidden fees
You know what you are approved for and get a full cost breakdown before you commit to anything.
A specialist on your side
A real Canadian financing expert calls you. They know your file before they dial.
Vehicle delivered to you
We bring the car to your door. Free delivery in many areas across Canada.
Actively builds your credit
Every on-time payment helps build your credit.
Hear From Our Happy Customers
Your Questions, Answered Honestly.
Yes, auto financing for used cars is possible with GetGoing, even with a no credit history. Lenders may require a down payment or a co-signer.
We work with permanent residents, open and closed work permit holders, foreign workers, and international students. Requirements can vary by status. Our specialists will walk you through exactly what applies to your situation. Apply for a car loan pre-approval so we can discuss your situation.
Most applications require: your valid residency or immigration document, proof of Canadian employment and income (recent pay stubs or employment letter), a Canadian bank account statement showing regular deposits, proof of Canadian address, and a valid driver’s licence. If your situation is more complex, our specialists will tell you exactly what you need before you apply.
Your credit score is protected at the application stage. We use a soft credit check to start, which doesn’t appear on your credit report and has no impact on your score. A hard inquiry only happens later, when you’ve chosen your options and are ready to proceed. You’re in control of that step.
Most applicants hear back from a GetGoing finance specialist within a few hours of submitting their form. Approval decisions typically come in less than 24 hours. In many cases, you can be driving within 48–72 hours of applying.
Yes, and this is one of the most valuable side effects of getting a car loan as a newcomer. Every on-time payment is reported to the credit bureaus. After 12–18 months of consistent payments, many newcomers see their credit score reach 650 or above, which opens the door to better rates on mortgages, credit cards, and future loans. Your first Canadian car loan can be the foundation of your entire financial future here.