StartRight auto finance program

A loan created for newcomers

For the best rates

Visit your dealership and ask for Scotiabank financing.

Calculate my payments

Scotiabank is the #1 choice for financing from coast to coast.1

Get up to $75,000 for your next vehicle.2


Qualify for a loan with no Canadian credit history.

Get a new car or one that’s up to 4 years old.

Take up to 5 years (60 months) to pay back your loan.

Customize the payments the way you want.

Get the best deal at your dealership

It’s the ideal way to stay on budget

  • You could get cash back, 0% financing or outstanding loyalty rebates3
  • Ask for Scotiabank financing at over 4,000 dealerships across Canada
  • Scotiabank is the #1 choice when financing at the dealer.1

It’s easy to apply

  • Proof of Permanent Residence or Foreign Worker status and date of arrival in Canada.
  • Canadian residency of 3 years or less.


Manage your loan online anywhere, anytime

  • Find out how much is left on your loan and when your next payment is due
  • See your payment amount and remaining term.
  • Make an extra payment or boost your payment amount
  • Change your payment days or frequency
  • Use your loan account number to activate online access

Enjoy flexible payment options

  • Qualifying Permanent Residents can put a down payment of minimum 10%. Foreign workers minimum down payment 25% 
  • Pick a payment plan that works for you: weekly, bi-weekly or monthly.
  • Change how much you pay4, how often, or even what days you make a payment.
  • Pay off your loan or make a pre-payment at any time without penalty.

Take a payment break

  • Need a little breathing room? You can postpone one payment each year that you have the loan.

Still have questions? Call us