New to Canada · Ontario

New to Canada?
No Canadian Credit?
You're Approved.

Moving to a new country is hard enough. Getting a reliable vehicle shouldn't be. Demo Auto Group works with lenders who have specific programs for newcomers to Canada — even without Canadian credit history. Welcome to Ontario.

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When you arrive in Canada, you start with a blank credit file. That doesn't mean you're a bad credit risk — it means the system doesn't know you yet. Most big dealerships and banks will turn you away because of this. We won't.

Demo Auto Group team works with lenders who have specific programs for newcomers to Canada. Whether you're a permanent resident, on a work permit, on a study permit, or recently received your PR card, we have financing paths that work.

What we need from you is straightforward: proof of income (employment letter or pay stubs), a valid Canadian driver's license or international license with translation, and proof of residency (lease agreement, utility bill, or bank statement showing your Canadian address).

We understand that buying a car in a new country can feel different from what you're used to. Our team takes the time to explain how Canadian auto financing works, what your rights are as a buyer, and what to expect throughout the process. No surprises, no confusion.

A
From Alex, Founder

“I've worked with newcomers from over 30 countries. The process might be different from what you're used to, but we make it straightforward. Bring your documents, and we'll take it from there. Welcome to Canada — let's get you on the road.”

No judgmentStraight answersAll credit considered
Your Questions Answered
Can I get a car loan in Ontario without Canadian credit history?+
Yes. We work with lenders who have newcomer programs that don't require Canadian credit history. Your income, employment status, and immigration status are what matter most — not how long you've been in Canada.
What documents do I need as a newcomer to Canada?+
Proof of income (employment letter or recent pay stubs), valid driver's license (Canadian or international with translation), proof of Canadian address (lease, utility bill, or bank statement), and your immigration documents (PR card, work permit, study permit, or proof of citizenship).
Can I get a car loan on a work permit?+
In many cases, yes. It depends on the permit type and remaining duration — we generally need at least 12 months remaining on the permit. We know which lenders have work-permit-friendly programs and will give you an honest answer about what's possible for your specific situation.
Can I get a car loan on a study permit?+
Yes, in many cases. Study permit loans typically require proof of stable income (part-time work, scholarships, or family co-signer in some cases) and a valid Canadian address. Approval depends on the specific lender and program — we walk through the options with you.
Do I need a Canadian co-signer as a newcomer?+
Usually not. Most newcomer programs are designed to work without a co-signer. A co-signer with established Canadian credit can help with rate or approval in some edge cases, but it's rarely required.
How much down payment do I need as a newcomer?+
Down payment requirements vary by lender and your specific situation. Some newcomer programs require as little as $500-$1,000 down. We always start the application with a no-money-down scenario and work from there to find what fits your budget.
How long should I be in Canada before applying for a car loan?+
There's no minimum waiting period. Some of our newcomer programs work for buyers who arrived just weeks ago. What matters most is stable employment and proof of income — not how long you've been in Canada.
Can I get a car loan if I just got my PR card?+
Yes — newly minted Permanent Residents are some of our easiest newcomer approvals. PR status combined with a job offer or current employment opens the door to most lender programs, often at competitive rates.
What kind of interest rate can I expect as a newcomer?+
Rates depend on your specific situation — income, employment stability, immigration status, and down payment all factor in. Newcomer rates may be slightly higher initially, but as you build Canadian credit history (often 12-24 months of consistent payments), you can refinance at a better rate.
Do you only help newcomers in London?+
No. We help newcomers across Ontario. Our financing process is fully online so you can apply and get approved from anywhere in Ontario — and we deliver vehicles throughout the province.
Explore All Financing Options

Financing Reads

Plain-English guides on loans, credit, and getting approved.

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3833 Auckland Ave
London, ON