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No Credit History? No Problem.
No Credit Programs

No Credit History? No Problem.

First-time buyer programs for Ontario residents building their credit from scratch.

Apply Now
Starting Your Credit Journey

Starting Your Credit Journey

Whether you are a young adult, recent graduate, or someone who has always paid cash, having no credit history can be just as challenging as bad credit. Lenders need a way to assess your reliability. Our newcomer and first-time buyer programs use alternative verification methods like employment history, rent payments, and bank account activity.

Programs Available

First-Time Buyer

Designed for applicants with no prior auto loan or credit card history.

Co-Signer Programs

A qualified co-signer can strengthen your application significantly.

Starter Vehicles

Affordable, reliable vehicles to keep payments low while building credit.

Graduated Programs

Start with a smaller loan and qualify for better terms on your next vehicle.

Start Building Your Credit Today

Your first vehicle loan could be the foundation of a strong credit profile.

Get Started