New Credit Car Loans

Are You New to Credit?

Are you looking to buy a car but have only just started to build your credit history in Canada? helps those with new credit become car owners today! We work with everyone to help them get the auto loan they need in order to find the car that is perfect for them. Just because you might have a new credit history does not mean that you should be denied the convenience of a motorized vehicle and the freedom it provides. Owning a car can be the key to living autonomously and integrating yourself as a productive member of society. works to facilitate and streamline the new credit car loan process so that it’s as straightforward and hassle-free for our customers as possible.


How Can Help You

At, we work with everyone, no matter their current credit situation. If you are just starting to build your credit in Canada, you can be guaranteed to find a car loan when you choose us as your service provider. Unlike some other companies or banks that require a long credit history and a high score, getting a new credit car loan with us is a straightforward three-step process. All you have to do is apply online, select your new vehicle from our curated options, and have it delivered to your door. You can do all of this without ever leaving your home!

Online Application

You’re just a simple online application away from your very own car! All you have to do is enter a few pieces of information about yourself that we will need to process the application. One of our service representatives will be there along the way to help you complete the entire application process. There is no need to worry or stress because we will make sure you understand every step in the process and are always there to answer any questions you might have.

It is important to us that you receive the lowest interest rates Canada’s leading banks offer and we will fight for anyone with new credit to receive approval and the best rates. Additionally, you won’t have to wait weeks to find out whether or not your application is authorized, as most of our applicants are approved within the same day as applying!

Select Your Vehicle

With a range of over 7,000 cars, there is no doubt that you will be able to find a vehicle that suits your needs! Once your loan application is approved, you will receive a curated selection of vehicles for you to choose from. Regardless of your credit score, we will help you find a vehicle that works within your budget, goals and bank approval. We offer a wide variety of brand new and certified used cars that have been put through leading industry inspections and performance tests. As a guarantee of excellent service, you can always exchange your first choice if you decide it’s not for you within 30 days, risk-free.

We Deliver!

We pride ourselves on our amazing customer service and providing the most painless experience possible to those who chose to get their new credit car loans with Once you have selected your new vehicle, we will eliminate the inconvenience of having to pick it up by delivering it anywhere within Ontario! Just give us a time and place and one of our team members will personally drive your car to you – absolutely free of charge!


Build Your Credit With Us

Understanding how your new credit car loan can help you achieve a good credit score and will lead to building your credit history in Canada.

Why Is a Credit Score Important?

Based on your past financial management, your credit score will determine whether or not you can apply for a loan or open a new line of credit in the future. Your payment history, the mix of your credit account types, and the length of your credit history are all taken into account when calculating your credit score.

It can be difficult for individuals who either have a short credit history or no credit history at all to obtain this kind of financing, or at least at a low rate of interest, as the length of your credit history makes up 15% of your score. Still, there are ways to do so. By using the services provided by, you will never have to worry about your credit score getting in the way of receiving a car loan as we will work on your behalf to ensure you are approved.

How Will a Car Loan Help My Score?

By choosing, not only will you find a car that suits your needs, but you will be able to use your loan with us to increase your overall credit score! The reality is that you need credit in order to improve your score and a new credit car loan is a simple method of doing so without too much difficulty. A car loan is payable in monthly installments over a set period of time and since it does not act as a revolving credit account (like a credit card such as Visa or Mastercard), the amount you need to repay is fixed.

Ensuring that you make your payments on time and for the full amount accounts for 35% of your credit score. Regular, on-time repayments will ensure that you are considered a good borrower and that will help you down the line when applying for new credit loans or lines of credit. Additionally, 10% of your credit score is made up of the variety of credit you have. If you do not currently have any installment credit, a new credit car loan is a great way to diversify your mix, which will increase your score.

New credit car loans also have lower interest rates in comparison to other installment loans such as mortgages. It is far easier – and less stressful – to build your credit history and rating through a car loan than other types of loans. Since’s services are available to anyone no matter your credit situation, you won’t have a difficult time building it back up!

How to Use a Car Loan to Build Your Credit

When it comes to credit, it is important to stay on top of your borrowing. There are a few tips you can follow in order to effectively use your new credit car loan to build your credit history and improve your score.

Firstly, you can make a down payment on your new vehicle. Putting down an initial sum of money will make your monthly payments, as previously mentioned, more affordable. You should also choose a car that is within your means to ensure that you are able to afford the monthly payments. Speaking of payments, if you pay more than the minimum required amount each month, it will show that you are responsible and capable of repaying a larger loan in the future. Your credit score will also improve more quickly the faster you pay off the loan.

Why Choose

Our simple application process, amazing customer service and dedication to providing our customers with the best interest rates available make us the number one choice for new credit car loans. At, we want all of our customers, regardless of their credit history, to be given the peace of mind of a reliable vehicle and the convenience of a new credit car loan. We believe in helping our customers build their credit while simultaneously achieving their goals.