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No Credit Car Loans

Alberta Auto Credit recognizes there are good reasons why a person might not have built up a credit rating. For instance, college and university students often haven't had the opportunity to build up a credit rating. Perhaps you've lived in another country and the credit history you built up there may not have transferred to your Canadian credit rating, that's perfectly understandable. Maybe you've never had the need to get financing in the past; you pay your rent every month on time, but your landlord may not report this reliability to the credit bureaus. Nonetheless, without any kind of credit history, it can be quite difficult to get a car loan. That said, just as there are special credit cards that cater specifically to students, Alberta Auto Credit has the ability to provide no credit car loans.


You may be a responsible person, a person whose good at managing your money, however if you lack a credit rating, it's often difficult to finance a good condition and dependable car. The good news is that Alberta Auto Credit recognizes that people with no credit rating should still be able to qualify for car financing. We work closely with you to put together a no credit car loan with affordable monthly payments.

Even if you can afford to pay for your desired car or truck in cash, that may not be the best course of action. There is something to be said about having a healthy level of liquidity. Should an emergency arise, you don't want to be in the situation where you don't have funds ready to handle it. Getting your first car loan, especially when you lack a credit rating, can help to free up those funds, so that they are available when you need them.

As an added bonus, making regular and reliable on-time payments for your car loan will demonstrate to the credit bureaus that you are financially responsible. This will help build up your credit rating, making it much easier for you to get approved for credit cards, mortgages, and other types of financing in the future.

Don't think that a lack of credit is going to stop you from getting behind the wheel of a dependable used car; we can help.

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