Moving to Canada is exciting — but getting a car loan with no Canadian credit history can feel impossible. Banks want a credit score you don’t have yet. Easy Ride Canada solves this by connecting newcomers with specialty lenders who evaluate international credit, employment letters, and income stability instead of a Canadian credit file. Whether you arrived last month or last year, we have lenders who work specifically with new-to-Canada borrowers.
🔒 Free · No hard credit pull · No obligation
Banks require 2+ years of Canadian credit history. Newcomers start at zero regardless of their financial history abroad. Specialty lenders bridge this gap.
Recently started a job in Canada? Some lenders accept employment letters and first pay stubs as proof of income — no 6-month history required.
Major banks prioritize existing customers. Our network of 30+ lenders evaluates your application on its own merits, not your banking history.
Your credit history from your home country doesn’t transfer. But certain lenders in our network accept international credit reports as supporting documentation.
Your application goes to 30+ lenders simultaneously. They compete to approve you. A dedicated advisor handles everything personally.
Your application goes to every qualified lender at once. They compete to approve you — driving your rate down.
85% of applicants who complete the form receive at least one real approval within 48 hours.
Arrived from the Philippines 8 months ago. No Canadian credit. Part-time income. Approved for a Nissan Rogue at $299/mo.
Young couple, both new to Canada. Thin credit files. Approved for a Jeep Cherokee at $379/mo. Delivered to Terrace.
Answer a few quick questions. No hard credit pull. All credit types welcome.
Your advisor submits to 30+ lenders simultaneously. Real approval within 24–48 hours.
Browse vehicles that fit your approved budget from our network of 5,000+ units.
Sign digitally. Vehicle delivered to your door anywhere in Canada within 5–7 days.
Check your approval in under 2 minutes. No hard credit pull. No obligation.