Auto Financing Made Easy. Get Pre-Approved Online.

  • Apply in seconds
  • We'll finance you if the banks won't
  • We'll re-finance you if your rate is too high

The Go Auto financing process

We help you find
a vehicle you love

Once you fill out the form above, our 24/7 team of personal shoppers will search far and wide for the exact vehicle you want, right down to specific features.

Get pre-approved online

Now that you've decided on a vehicle, we can get you pre-approved for it without having to bring you into a dealership. Get approved in your pj's!

Low/no credit?
No worries

We work with more than a dozen banks to secure the auto financing you need. But even if they deny you, Go Auto can still finance you-with our own money.

Pick your payment

Once you've been approved (either by a bank or Go Auto) we work with you to choose a payment that fits both your lifestyle and your budget.

Get Pre-Approved Today

How we've approved more than 300,000 people

Bad credit car loans

If you're having challenges getting approved, Go Auto has solutions for almost every credit situation. Our financing tools and credit specialists will help you get back behind the wheel with affordable auto loans that makes sense for you.

We approve when the banks don't

Thanks to our success we have created our own finance company, Go Finance. So if the we can't find a bank to approve you for an auto loan, we can finance your loan ourselves. This means we approve more people than anyone else.

Re-finance your bad loan

Unlike our competitors, we can lower the interest rate on your vehicle over time as long as you're making regular payments. With Go Auto, you're not stuck with a rate you can't afford. To get started, fill out the form above.

We can approve you too

Our extensive list of lending institutions includes

Alberta Treasury Branch

Bank of Montreal

Bank West

Chrysler Financial

Carfinco

Dominion Leasing

Financiallinx

First Calgary Savings

Ford Credit

Go Finance

Royal Bank

Scotia Bank

Scotia Dealer Advantage

Sevus Credit Union

TD Canada Trust

VFC

WS Leasing

Our car loan specialties

First time buyers

Go Auto owns and operates dealerships for 21 new vehicle brands, and we work with more than a dozen lenders. We have lots of financing options for first time car buyers.

No credit

Buying a new car is a great way to establish a credit score, and Go Auto can help you get credit the first time. Stop waiting and get on the road.

Low credit

Our resources allow us to accommodate most credit profiles. Even with past problems, you will still get the credit you need and the car you want.

High current loans

If you have a car loan already, and you think you're paying too much, Go Auto can buy out your loan and get you a better finance rate and lower payment.

Let's get started

Estimate your car payments

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For estimates only. Actual term, rate, and payment amount are based on credit approval, cost and year of vehicle. 96 months at 0.99% cost of borrowing $

Finance VS Leasing: Which is better?

What are your goals? We all have different priorities—in cars, life, and finances. When deciding on leasing vs. financing, what's right for one person can be totally wrong for another.

Generally, leasing offers lower monthly payments than financing as well as the benefit of owning a new car every two or three years. However, financing offers its own set of advantages.

Luckily, we have a team of finance experts who are happy to help you find the best option for you. Call 780-777-7777 or any Go Auto dealership to book a free consultation.

Is leasing better for me?

You Want

To drive a new car every two or three years

Lower monthly payments

The latest safety features and a car always under warranty

You Don't Mind

Trading in or selling used cars privately

Building ownership equity

You Have

A stable, predictable lifestyle

An average number of miles to drive

No problem properly maintaining your car

If this sounds like you, then leasing may be the best option for your needs

Is financing better for me?

You Want

To build up trade-in or resale value (equity)

Complete ownership of your car

The feeling of being payment-free after paying off your loan

The freedom to customize your car

To drive your car for a long time

You Don't Mind

Unexpected repair costs after your warranty has expired

Higher monthly payments

You Have

To drive more-than-average miles

Possible lifestyle changes in the near future

If you prefer to own your vehicle outright, and plan to own for the long-term, then financing will be your best option

Finance VS Leasing: Cost Comparison

For the same car, same price, same term, and same down payment, monthly lease payments will always be 30%-60% lower than loan payments. This is still true even when compared to 0% or low-interest loans.

The medium-term cost of leasing is about the same as the cost of financing, assuming the buyer sells or trades his or her vehicle at loan-end and the leaser returns his or her vehicle at lease-end.

Some comparisons sometimes show that financing can cost a little less than leasing due to fewer fees, lower total finance costs, and the assumption that a purchased vehicle will return full market value if it is sold or traded at the end of the loan. However, when the benefits of wisely investing monthly lease savings are considered, the net cost of leasing can be less than financing.

The long-term cost of leasing is always more than the cost of financing, assuming the buyer keeps his vehicle after loan-end. If a buyer keeps his car after the loan has been paid off, and drives it for many more years, the cost is spread over a longer term. That means the cost of buying one car and driving it for ten years is less expensive than leasing or buying four or five different cars over the same period.

If long-term financial cost savings were the most important objective in acquiring a new car, it would always be best to buy the car and drive it for as long as it survives, or until the cost of maintenance and repairs begins to exceed the cost of replacing it. However, many automotive consumers have other more immediate objectives that are more important than long-term cost savings.

Frequently Asked Questions

You should bring:

  1. A valid government-issued driver’s license
  2. Your last paystub
  3. A void cheque

Depending on the specifics of your purchase, you may be required to bring additional information. For a complete list of what you’ll need to buy or trade in a vehicle with Go Auto, call the dealership ahead of time and speak with a Sales Consultant.

Four main factors determine whether you get approved for a car loan:

  • The Vehicle You’re Buying: cost, age, and mileage
  • Customer Information: employment history, residence, and income
  • Customer Credit History: your credit score, debts, past payment history, etc.
  • Down Payment: includes cash down payment and trade-in equity

For the best chance of approval, and the lowest monthly payment possible, try to select a vehicle that fits your budget. Also, provide as large of a down payment as you can.

Once you’re approved for a car loan, three factors will affect your monthly payment (in order of importance):

  1. Amount financed
  2. Term or length of contract
  3. Annual Percentage Rate (APR)

We offer competitive rates from a variety of finance companies to fit nearly every budget and credit profile. You can learn more about your personal finance options at any Go Auto dealership.

The rule of thumb from most financial institutions is to spend no more than 15% of your gross monthly income on your car payment.

For example, if you make $2,000 a month you should spend no more than $300 on your car payment.

Your credit score helps financial institutions predict the risk associated with your purchase of a car, house, credit card, etc. Essentially, it's meant to forecast how (and if) you will pay your bills.

The higher your credit score, the greater your chance of receiving a better financing offer from Go Auto.

Your credit score is a number that ranges from about 350 to 850. In general, the higher the number, more likely you are to get approved for a car loan. The systems that generate your credit score look at your credit report and take several factors into account, including:

  • The timeliness of your payments, including late payments
  • The amount and type of debt you have
  • The number and age of your credit accounts
  • Inquiries created by applying for credit
  • Public records such as liens and judgments

Do you prefer to drive a new vehicle very few years that will always be under warranty? That's one advantage of leasing. Do you prefer to build up equity and drive one car for a long time? Then consider financing.

There are all sorts of factors to consider when choosing between financing and leasing. Luckily, we have a team of finance experts who are Happy to Help you find the best option for you. Call 780-777-7777 or any Go Auto dealership to schedule a free consultation.

Click here for a full rundown on financing vs leasing.

Of course. Many Go Auto customers qualify for financing on their first vehicle purchase.

If a normal credit determination cannot be made based on your current credit history, you may still qualify for other programs, like those for recent college graduates.

Stipulations for college students vary by finance company. Check with a finance professional at any of our Go Auto dealerships for more information.

Get Approved Today!