Welcome to Canada!
Apply in as little as 2 minutes!
New-To-Canada Auto Loans
Elm Auto offers simple and tailored auto financing options for newcomers to Canada.
Why Newcomers Choose Elm Auto
Auto financing for newcomers—start driving with just a work permit. Elm Auto makes your first car in Canada easy and accessible.
Who's Eligible?
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.
Dealership Network
Access thousands of high-quality vehicles through our trusted dealership network, all at competitive prices tailored for you.
Easy To Apply
Apply online in two minutes or less and get on the road quickly with our hassle-free process.
Free Delivery
Enjoy free vehicle delivery right to your door, saving you time and effort—no extra charges involved!
How It works
- 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.
See What You Can Afford Before You Shop!
Use our auto loan calculator to determine your affordable vehicle budget in Western Canada. Adjust the sliders to see how loan duration and amount influence your monthly payments.
Your First Car Starts Here
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.
