Get financing in simple steps
If you need a car but don’t have the money to pay for it in cash, there are financing options available to you.
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This has no impact on your credit score
Financing your
vehicle is easy
We’ve made our financing process as simple as possible to get you driving faster.
Get pre-approved online
Use our online calculator to find the best option for your situation.
Pick your payment
Your credit score has an impact on your interest rate. Check your status with no impact on your score! We offer financing options for all credit situations.
Benefits of
our financing
Whatever your situation, we’ll get you the right monthly payments. Pay for your vehicle by borrowing, leasing, or with cash in the form of a certified cheque or bank draft.
First-time buyer
Some car buyers, including young people, don’t have a credit history, a down-payment, or a vehicle to trade-in. Don’t worry! We work with Canada’s big banks and we’ll get you flexible financing or leasing options.
Bad or no credit
A bad credit score, refused a bank loan, or bankrupt? Our solutions cover all kinds of credit situations. Our financing specialists can get you an affordable solution that suits your budget.
Newcomers to Canada
When you move to Canada, you may not realize that your credit score doesn’t move with you. The good news is that we can still qualify you for a loan, and you’ll soon be driving away with your first car in Canada!
High rate on an existing loan
If you have an existing loan and think you’re paying too much, we can help. Our parent company, Go Auto, can buy out what you owe and get you a better finance rate and lower payment.
What do I need to
get approved?
Employment & income
Usually, you will need to have been in your present job for three or more months and make a minimum of $1,800/month. Other forms of income, including certain types of government assistance, may also be accepted.
Down payment
A downpayment will help, but it's not required. The less you have to borrow, the more likely the lender will be to say yes to your car loan.
Driver’s license
Please bring your valid driver’s license to your appointment. You also need to be the age of majority in the province you reside.
Current address
To complete your loan documents, please provide your current address details, including your monthly rent or mortgage payment.
Bank account
Lenders want to be able to take the payment out of your bank account each month. The easiest way to do this is to get a void cheque or stamped pre-authorized payment form.
Contact details
You will be required to give your full name, date of birth, phone number and email address to apply for a car loan.
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Download the Go Auto App to start earning Go Card rewards today!
