New to Canada
Less than two years here, no Canadian credit history yet? That's a beginning, not a no. We have programs designed for exactly this.
- Work permit, PR, or citizen
- Recent pay stubs help, not always required
- Build credit from day one
Who we help
A score is one chapter.
Not the whole story.
Lane was built for the people the traditional conversation skips over. If any of these sound like you, you're exactly who we help.
Rebuilding credit
A rough chapter doesn't define the next one. Past missed payments, collections, or a discharged bankruptcy don't shut the door.
- No minimum credit score
- Bankruptcy discharged 6+ months
- Co-signer welcome but not required
Self-employed
Real income looks different when you work for yourself. We work with lenders who read bank statements the same way.
- Bank statements over T4s
- Rideshare, delivery, and gig friendly
- Cash-based businesses considered
First-time buyers
Your first car is also your first credit story. We help you write it well, plain English, no pressure, real numbers.
- No previous auto loan needed
- True cost of ownership upfront
- Coach available anytime
Things people think will disqualify them
They mostly don't.
- ✓A past bankruptcy
Discharged 6+ months is workable. We've placed people in cars after far rougher chapters.
- ✓A collection on file
Doesn't shut the door. We look at the why, not just the line item.
- ✓No co-signer
Not required. Helpful in some cases, but never a gate.
- ✓Cash-based income
Bank statements over T4s. Plenty of our lenders read income that way.
- ✓Recent job change
Probationary periods are fine for several of our programs.
- ✓No down payment saved
Some programs require zero down. We'll tell you straight.
Not sure?
Ask us anyway.
We've seen almost every situation. There's no harm, and no cost, in starting the conversation.