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New to Canada? Let’s get you on the road.

Starting over in a new country comes with a lot of firsts, and a car is often one of them. A finance specialist at Morrey Nissan of Coquitlam will explain how car financing works here and what your options look like.

Apply now How it works for you
  • Free, no obligation
  • A real person reviews every file

What we look at

Your history here is just beginning.

Some lenders have programs for people building Canadian credit. They look at things like your permit or residence documents and your proof of income. We’ll tell you what applies to you.

  • Your documentsYour permit or permanent resident documents. Bring what you have.
  • Your incomeProof of income helps lenders see what you can comfortably afford.
  • Plain words, any questionCar loans here can be confusing. Ask anything, and we’ll explain every number.

How it works for you

Three steps, with a person beside you for each one.

  1. 01

    Tell us your story

    A short, private form: how long you’ve been in Canada, your work and what you need.

  2. 02

    A real person works your file

    A finance specialist reviews it, then calls or texts. They’ll explain what lenders usually ask for from newcomers.

  3. 03

    Choose with a clear plan

    You see the payment, the term and the total cost in plain words before you sign anything.

What to bring

What lenders usually ask for.

Lenders usually ask for the items below. Don’t have everything yet? Apply anyway. Your specialist will tell you what is missing and help you gather it.

Lenders will also need your Social Insurance Number (SIN) before they can approve a loan.

  • Permit or PR documentsYour work permit, study permit or permanent resident documents.
  • Photo IDYour passport or driver’s licence.
  • Proof of incomeRecent pay stubs, an employment letter or a job offer.
  • Proof of addressA utility bill, bank statement or lease with your name on it.
  • ReferencesNames and contact details for people who know you.

Questions

Straight answers for newcomers.

I’m new to Canada with no credit history. Can you help?

Yes, we work with newcomers. Some lenders have programs for people building Canadian credit, based on things like your permit or residence documents and proof of income. We’ll tell you what applies to you.

What documents do I need as a newcomer?

Lenders usually ask for your permit or permanent resident documents, photo ID, proof of income and proof of address. Your specialist will confirm what applies to you.

Can I apply if I have just arrived?

You can apply. Lenders will want to see your documents and your income, and your specialist will tell you what to expect for your situation.

Will I need a SIN?

Yes. Lenders need your Social Insurance Number before they can approve a car loan. Your finance team will ask for it when you talk, not on the online form.

Will applying affect my credit?

The form is free and doesn’t commit you to buy anything. When you submit it, you’re giving permission for a credit check so lenders can review your application. If you have questions about that, ask us first.

Who will I be dealing with?

Windy, Maryam or Mike on the finance team at Morrey Nissan of Coquitlam, on Lougheed Highway in Port Coquitlam. Mr. Auto Finance is part of Morrey Auto Group, a family-owned group serving the Lower Mainland.

Let’s look at your options together.

Free to apply. No obligation. A real person gets back to you.

Apply now

More programs

Not quite your story?

Here are the other ways we can help.

Apply now