New-To-Canada Auto Loans

Elm Auto offers simple and tailored auto financing options for newcomers to Canada.

Welcome to Canada!
Apply in as little as 2 minutes!

Auto financing for newcomers—start driving with just a work permit. Elm Auto makes your first car in Canada easy and accessible.

Newcomers with a work permit can qualify—no need for permanent residency or a probationary period. Start driving after just one day on the job.

Access thousands of high-quality vehicles through our trusted dealership network, all at competitive prices tailored for you.

Apply online in two minutes or less and get on the road quickly with our hassle-free process.

Enjoy free vehicle delivery right to your door, saving you time and effort—no extra charges involved!

Online Application: Begin with our quick and simple online application designed for newcomers. It only takes a few minutes to get started.
Pre-Approval: Get pre-approved within minutes, even if you’re new to Canada, so you can shop for your first car with confidence.
Choose Your Car: Explore our wide selection of vehicles tailored for your needs, whether you’re looking for a car, SUV, or truck to start your journey.
Finalize Your Loan: Our financing experts will guide you through the process to finalize your loan with clear, newcomer-friendly terms that fit your budget.

Auto financing built for newcomers in Western Canada.

Areas We Serve:

✔ Alberta
✔ Saskatchewan
✔ British Columbia
✔ Manitoba

Requirements:

✔ Work Permit
✔ Employment Confirmation
✔ No Credit History Needed
✔ Start after just one day on the job

Welcome to Canada!
Approval starts with just a work permit.