New to Canada with no local credit history? We help newcomers get approved for car financing every week. Proof of income and ID are what matter — not a Canadian credit score.
Arriving in Canada means rebuilding your financial life from scratch — including your credit history. The credit you carefully built in your home country doesn't transfer here, which is why so many newcomers are turned down by the big banks. At Legacy Autos, we work with lenders who have dedicated newcomer programs. They understand that no Canadian credit doesn't mean you're a risk — it just means you're new.
What these lenders look for is straightforward: proof of income (an employment letter or pay stubs), valid identification, and a Canadian address. Permanent residents, work-permit holders, and international students are all eligible. We help newcomers from every background drive away in a reliable, inspected vehicle — and start building Canadian credit at the same time.
PR card holders with proof of income are readily approved.
Valid work permit plus employment income qualifies for newcomer programs.
Study-permit holders with income or a co-signer can get financed.
No credit history here? Newcomer lenders look at income and stability instead.
Tell us your basic info and income details. The initial check is a soft pull — it won't affect your credit score.
We submit your file to our network of lenders to find the best approval terms for your situation. We do the work, you wait for a call.
We'll call you with your approval amount and payment options, then help you pick a clean-Carfax vehicle within your budget. Drive home the same day.
Yes. We work with lenders who have specific programs for newcomers. They evaluate your income and stability rather than requiring a Canadian credit history. Most newcomer applications are approved within 24 hours.
Typically: valid ID (PR card, passport, or work permit), proof of income (employment letter or recent pay stubs), proof of a Canadian address (a bill or bank statement), and a valid driver's licence. We'll guide you through exactly what your lender needs.
Yes. Work-permit holders with verifiable employment income regularly qualify. The lender will typically want the permit to extend beyond a minimum period — we'll match you to the right program.
Yes — and it's one of the best ways to do it. Your on-time payments are reported to Canada's credit bureaus, building the credit profile you'll need for housing, credit cards, and future loans.