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We Work with All Credit — Including Band-Funded and Cash Income

Jul. 6 2025 Credit By Auto Nation Canada

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Getting approved for a vehicle or RV loan shouldn’t depend on your job title or banking history. At Auto Nation Canada, we proudly work with customers from First Nations communities and rural Alberta who may have:

  • No formal credit history

  • Income from Band funding or assistance programs

  • Seasonal or cash-based income

The truth is—you still qualify.

With years of proven experience serving Indigenous buyers across Alberta, we know how to present your real financial picture to lenders in a way that works.

💬 “I Don’t Have Credit. Can I Still Get Approved?”

Yes. We’ve helped many First Nations customers who:

  • Have never used credit before

  • Have recently returned to work or started a new job

  • Have been paid in cash or receive Band income

Instead of relying solely on a credit score, we explain your situation to the right lenders—and many offer flexible terms based on income stability, not credit history.

✅ Apply online now and let us do the rest.

📥 What Kind of Income Do We Accept?

  • Band support letters

  • Income assistance program documentation

  • Seasonal or construction-related pay stubs

  • Self-employment invoices

  • Pension or family benefit deposits

As long as we can verify your income and explain it clearly, we can typically secure approval.

💡 Tip: If you’re unsure what to bring, our finance team will help you prepare.

🔁 Trade-Ins Welcome, Too

Already own a vehicle? You can trade it in—even if it’s older or still has a loan on it. We’ll:

  • Appraise your current vehicle

  • Pay out any remaining balance (if applicable)

  • Apply the trade value toward your next truck, trailer, or SUV

👉 View inventory eligible for trade-ins

🧾 GST Exemptions for Status First Nations

If your vehicle is delivered to reserve land, you may qualify for GST exemption. Just provide your Status Card and we’ll handle all paperwork.

We regularly deliver to:

  • Enoch Cree Nation

  • Alexander First Nation

  • Paul Band

  • Maskwacis and more

🧭 Let’s Get You Driving

We believe your income source shouldn’t hold you back from a safe, reliable vehicle. Whether it’s a truck, SUV, or RV—Auto Nation Canada can help make it happen.

👉 Apply for financing today
 👉 Browse available vehicles

At Auto Nation Canada, we make financing accessible for all. If you're Band-funded, self-employed, or rebuilding credit—we’ll get you driving with a plan that fits your life, not just your paperwork.