{"id":80079,"date":"2023-12-06T14:02:58","date_gmt":"2023-12-06T19:02:58","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=80079"},"modified":"2024-01-22T08:00:21","modified_gmt":"2024-01-22T13:00:21","slug":"how-to-get-a-car-loan-as-a-newcomer-in-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/how-to-get-a-car-loan-as-a-newcomer-in-canada\/","title":{"rendered":"How to Get a Car Loan as a Newcomer in Canada"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/automobile\/\">\n\t\t\t\t\t\t\t<span>Automobile<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to Get a Car Loan as a Newcomer in Canada<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Jacob Henriksen-Willis<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Lady sitting inside a new car at an auto dealership and having a conversation with a cheerful sales assistant.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg 6720w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/iStock-1386907707.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Get a Car Loan as a Newcomer in Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/how-to-get-a-car-loan-as-a-newcomer-in-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/how-to-get-a-car-loan-as-a-newcomer-in-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published December 6, 2023 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>As a newcomer, buying a car in Canada is one of the biggest financial decisions you will make. If you&#8217;ve decided to get a car and need to finance it, there are many options that you should know about.<\/p>\n\n\n\n<p>When you&#8217;re new to Canada, owning a vehicle can help make life easier and more convenient. Many car buyers rely on auto loans to pay for their vehicles. Before heading to your dealership or bank, here&#8217;s what you&#8217;ll need to know to help you get approved for a car loan as a newcomer in Canada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What documents will I need?<\/h2>\n\n\n\n<p>The first thing you need to do before applying for a car loan is to have your required documents in order. Here&#8217;s what most lenders and dealerships will ask for during your car loan application:<\/p>\n\n\n\n<p><strong>A driver&#8217;s license:&nbsp;<\/strong>You will need a government-issued driver&#8217;s license in the province you live in to take out a car loan. Your driver&#8217;s license proves your identity and will show that you are over the age of 18 or 19 (the minimum age to take out a car loan, depending on your province&#8217;s laws) and that you are legally allowed to drive.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Check with the<a href=\"https:\/\/www.canada.ca\/en\/immigration-refugees-citizenship\/services\/new-immigrants\/new-life-canada\/driving.html#licences\" data-dig-id=\"LP-80079-9b9291a0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"&nbsp;government of your province or territory\" class=\"rbc-link-format\">&nbsp;government of your province or territory<\/a>&nbsp;for details.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Most provinces have three types of licenses: learner&#8217;s permit, intermediate license and full license. While it&#8217;s possible to get approved for a loan with a learner&#8217;s permit, you will not be able to insure a car in your name until you have obtained an intermediate license. That being said, it&#8217;s a better idea to get your full license first before buying a car, as your insurance rates may be lower.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Proof of residence:&nbsp;<\/strong>To prove that you currently reside in Canada, you can show your lender a recent bill or statement sent to your address. Utility bills, bank statements, lease agreements, government-issued IDs, tax documents, and insurance policies would all be accepted \u2014 you&#8217;ll only need to show one.&nbsp;<\/p>\n\n\n\n<p><strong>Proof of income:&nbsp;<\/strong>Have pay stubs or bank statements ready to show your lender if they ask. You may also need to provide proof of employment, showing your income, title or position and work arrangement details. While different lenders will have different requirements, according to Loans Canada, the minimum income typically accepted for a car loan is between $1,200 and $1,800 per month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should I expect a credit check?<\/h2>\n\n\n\n<p>One of the main things lenders look at is your credit history. Your credit history is a record of your ability to repay debts (credit card bills, loans, etc.). Usually, this is summed up in your&nbsp;<strong>credit score<\/strong>, which is a three-digit number that gives lenders a quick overview of the amount of debt you have and the length of your credit history.<\/p>\n\n\n\n<p>The higher the number, the more regular you are at paying your debts and the more likely you may be approved for a loan. Typically, the scoring system works like this:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>350-650: Below average<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>650-725: Good<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>725-760: Very Good<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">760-900: Excellent<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Most dealerships will have a minimum credit score requirement to secure a loan, but meeting that requirement doesn&#8217;t guarantee your loan gets approved.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">RBC Online Banking clients can&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/financial-advice\/check-credit-score.html\" data-dig-id=\"LP-80079-4b51756a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"check their credit rating\" class=\"rbc-link-format\">check their credit rating<\/a>&nbsp;through their accounts without affecting their credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible for Newcomers to get a loan without a credit history?<\/h2>\n\n\n\n<p>Yes! While different lenders have different requirements for permanent residents, many newcomers to Canada don&#8217;t have a credit history (or a short one). However, that may not prevent you from securing a loan. Check with your lender to see if there are any&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/car-loans-for-newcomers\/\" data-dig-id=\"LP-80079-15a24190\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"special programs\" class=\"rbc-link-format\">special programs<\/a>&nbsp;to help newcomer car buyers.<\/p>\n\n\n\n<p>For example, permanent residents and temporary foreign workers who have been in Canada for less than three years may be able to provide a downpayment (money paid upfront towards the cost of the car) to secure a loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where do I go to get a loan?<\/h2>\n\n\n\n<p>In Canada, you typically apply for a car loan at the auto dealership. Once you know the vehicle you want and have negotiated a price, you can ask your dealer to apply for a loan with your preferred lender. Some dealers may even offer special financing options, such as no interest on your loan for a specific period. This is typically reserved for the newest models, and a great credit score is usually required.<\/p>\n\n\n\n<p>RBC&#8217;s&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/car-loans-for-newcomers\/\" target=\"_blank\" data-dig-id=\"LP-80079-fc18494e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Car Loan Payment Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Car Loan Payment Calculator<\/a>&nbsp;can give you an idea of how loan payment terms can affect you loan payment amount.<a href=\"\/Users\/534367370\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/U0K6N8QU\/How%20to%20Get%20a%20Car%20Loan%20as%20a%20Newcomer%20in%20Canada_DS_mp.docx#_msocom_2\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting the best deal<\/h2>\n\n\n\n<p>Once you&#8217;re ready to start negotiating your auto loan, the most important number to consider when evaluating your offers is usually the&nbsp;<strong>interest rate<\/strong>. Interest is the fee you pay your lender on top of the loan to borrow money from them. It&#8217;s shown as a percentage of the principal loan, meaning the lower the number, the more you save.<\/p>\n\n\n\n<p>It&#8217;s a good idea to have an understanding of interest rates offered by multiple lenders to evaluate your options and get the best deal. Also don&#8217;t forget, you can always ask for the lender you prefer to get your auto loan with.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Newcomers may be eligible for an RBC car loan even if you have no Canadian credit history.* Check out RBC&#8217;s&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/car-loans-for-newcomers\/\" data-dig-id=\"LP-80079-045c6c89\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Car Loans for Newcomers to Canada\" class=\"rbc-link-format\">Car Loans for Newcomers to Canada<\/a>&nbsp;hub for automotive financing specifically tailored for newcomers to Canada.<\/p>\n\n\n\n<p>* Available to permanent residents and temporary foreign workers who have been in Canada for less than 3 years. Down payment of up to 15% may be required. Maximum financing term is 96 months with a maximum loan amount of $75,000. Note: for investor class permanent residents, there is no maximum loan amount. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d9ce0e3c-3e7d-4d4c-8144-4a3077a45055\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Get a Car Loan as a Newcomer in Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/how-to-get-a-car-loan-as-a-newcomer-in-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/how-to-get-a-car-loan-as-a-newcomer-in-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-b0794e42-f77c-451d-a5f1-21442d9141b3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/automobile\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Automobile<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/new-to-canada\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">New to Canada<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/\">\n\t\t\t\t\t\tFinancing Your Car\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/car-buyers-checklist\/\" class=\"card-title h4 mar-t-0\">8 Important Questions to Ask When Buying a Car<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"As his wife stands next to him, a man crouches beside a white car at a dealership, inspecting the front of the car while speaking to a dealer.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg 2121w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/10\/iStock-1210355637.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/\">\n\t\t\t\t\t\tFinancing Your Car\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/car-buying-guide\/\" class=\"card-title h4 mar-t-0\">Buying a Car: 7 Important Things to Consider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third 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\/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/\">\n\t\t\t\t\t\tFinancing Your Car\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-vehicle\/financing-your-car\/buying-a-car-in-a-high-cost-environment\/\" class=\"card-title h4 mar-t-0\">Buying a Car in a High Cost Environment<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-d9ce0e3c-3e7d-4d4c-8144-4a3077a45055 {\n\t\theight: 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