1. Loans & Lines
  2. StartRight Auto Finance Program

StartRight Auto Finance Program

A loan created for newcomers

Did you know? 

We're the TOP choice for financing from coast to coast.1

Get up to

$75,000 for your next vehicle2

For the best rates

Visit your dealership and ask for Cipher Ardent financing.

Features

  • Qualify for a loan with no 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 Cipher Ardent financing at over 4,000 dealerships

  • Cipher Ardent 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.

  • 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†

    • You might be interested in:

    At the dealership

    Visit your dealer and ask
    for Cipher Ardent financing

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