Can I get a car loan in Calgary if I'm new to Canada and have no credit?

Yes! At Cars With Chloe, we specialize in helping Calgary newcomers secure auto financing even without an established Canadian credit profile. Whether you're an immigrant, a temporary worker, or an international student, we have options for you.

Do I need a co-signer for a newcomer car loan in Calgary?

In many cases, a co-signer isn't required. However, having one can sometimes improve your approval odds and help secure a better interest rate, depending on the lender.

How fast can I get approved for a newcomer car loan in Calgary?

Most newcomers in Calgary receive pre-approval within 24 hours, with final loan approvals typically finalized within 1–2 business days.

New to Canada Car Loans in Calgary, Alberta

Just moved to Calgary? You're not alone—and it shouldn’t stop you from getting the car you need. At Cars With Chloe, we specialize in helping newcomers secure flexible vehicle financing options even without an established Canadian credit history.

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Serving All of Calgary and Surrounding Areas

Explore the cities we proudly assist customers in:

Airdrie

Chestermere

Okotoks

Cochrane

Strathmore

High River

Black Diamond

Langdon

Don't see your area? We proudly serve newcomers throughout Calgary and surrounding communities.

Why Choose Us?

Local Expertise for Newcomers

Our team understands Calgary’s unique market and specializes in helping new Canadians finance their first vehicle with ease.

New to Canada Friendly Programs

We offer car loan solutions designed specifically for newcomers without a Canadian credit history.

Quick Online Application

Apply online in minutes and get fast pre-approvals, even if you're brand new to Canada.

Wide Network of Dealerships

We partner with trusted dealerships across Calgary to offer a wide range of vehicles and newcomer-friendly financing programs.

Flexible Financing Solutions

Choose from a variety of financing plans designed to fit your budget, lifestyle, and newcomer status.

Credit Building Opportunities

Making consistent, on-time payments can help you build a strong Canadian credit history through your Calgary newcomer car loan.

How to Apply

Apply Online

It takes just a few minutes to complete our secure application.

Get Matched

We'll connect you with a dealership that fits your needs.

Choose Your Vehicle

Select from a range of cars, trucks, SUVs, and vans.

Drive Away

Finalize the deal and come pick it up, or have it delivered.

Understanding New to Canada Car Loans

A newcomer car loan helps individuals who are new to Canada finance their first vehicle and begin building a Canadian credit record. Here’s what you should know.

Interest Rates

Typically start from 7%+ in Alberta, depending on income, employment stability, and lender policies.

Loan Terms

Flexible repayment terms usually range from 48 to 96 months.

Down Payments

Zero down payment options may be available for qualified newcomers; some lenders may suggest a minimal down payment based on risk profile.

Start Your Journey in Canada

Financing your first vehicle is a big step toward independence and financial success in Canada. Start building your credit while driving the car you need.

Ready to Get Started?

New to Calgary? Apply today and get pre-approved for a car loan made for newcomers like you!

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Take the first step towards your new vehicle today.