Just landed in BC? You don't need years of Canadian credit to finance a reliable car. Spinny Cars works with lenders who run dedicated newcomer programs for permanent residents, work permit holders, and international students. Apply online in minutes — often approved within a day.
Fill out a short, no-obligation application. It takes about two minutes and is designed to be low-impact on your credit. No judgment, no pressure.
We submit your profile to our network of lenders who specialize in all credit situations — including bad credit, bankruptcy, and newcomer financing.
Choose from our Spinny Assured inventory, finalize your terms, and pick up your vehicle or have it delivered anywhere in BC — free of charge.
Arriving in Canada resets your credit file to zero — even if you had an excellent record back home. Banks often treat that empty file like a risk, which is why so many newcomers get told to “come back in a year.” That advice ignores the reality: in most of Metro Vancouver, you need a car to get to work long before a year passes.
Newcomer lending programs exist precisely for this. Instead of a Canadian credit score, lenders in these programs look at your immigration status (PR card, work permit, or study permit), proof of income or a job offer letter, and a valid BC driver's licence or an exchangeable foreign licence. Many of our customers finance a car within their first month in Canada.
There's a bonus most newcomers don't hear about: a car loan is one of the fastest ways to build Canadian credit from scratch. Every on-time payment is reported to Equifax and TransUnion, so the car that gets you to work is also building the credit file you'll need for a future mortgage or credit card.
Ready to start? Apply online or call 778-852-1023 — a Spinny advisor will confirm your options the same day.
Tell us a bit about yourself and a Spinny advisor will reach out the same day with your options — no pressure, no spam, no judgment. Just honest help from real people in New Westminster, BC.
No spam. No hard sell. Just helpful advice.
