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

Yes! At Cars With Chloe, we specialize in helping Edmonton newcomers secure auto financing even if they haven't yet built a Canadian credit history. Whether you're a new immigrant, international student, or temporary worker, we can help.

Will I need a co-signer for a newcomer car loan in Edmonton?

In many cases, no co-signer is needed. We work with lenders in Edmonton who offer flexible newcomer programs, but adding a co-signer may improve your approval odds and interest rates.

How quickly can I get approved for a newcomer car loan in Edmonton?

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

New to Canada Car Loans in Edmonton, Alberta

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

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Serving All of Edmonton and Surrounding Areas

Explore the cities we proudly assist customers in:

Sherwood Park

St. Albert

Leduc

Spruce Grove

Stony Plain

Fort Saskatchewan

Nisku

Ardrossan

Don't see your area? We proudly serve newcomers across Edmonton and surrounding communities.

Why Choose Us?

Local Expertise for Newcomers

Our team understands Edmonton's automotive financing landscape and specializes in helping newcomers secure their first Canadian car loan.

New to Canada Friendly Programs

We offer car loan solutions specifically for Edmonton residents who are new to Canada and don't yet have Canadian credit history.

Quick Online Application

Apply easily online in just minutes and get fast pre-approvals—even without a prior credit record in Canada.

Wide Network of Dealerships

We work with trusted dealerships across Edmonton to provide a broad range of vehicles and flexible financing options for newcomers.

Flexible Financing Solutions

Choose from programs customized to your budget, goals, and newcomer status to help you succeed financially in Canada.

Credit Building Opportunities

Making regular, on-time payments can help you establish a strong Canadian credit profile through your Edmonton 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 recent arrivals finance a vehicle and start building a Canadian credit history. Here's what you should know.

Interest Rates

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

Loan Terms

Flexible repayment terms usually range from 48 to 96 months.

Down Payments

Often no down payment is needed; some lenders may recommend a small deposit based on risk profile and application strength.

Start Your Journey with Confidence

Financing your first vehicle in Edmonton can kickstart your financial future—helping you build credit and achieve greater opportunities in Canada.

Ready to Get Started?

New to Canada? Apply today and get pre-approved for a car loan in Edmonton!

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Take the first step towards your new vehicle today.