Finance Department

Auto Financing Made Easy. Get Pre-approved Online.

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✓ We'll Finance You If The Banks Won't
✓ We'll Re-finance You If Your Rate Is Too High

The Financing Process

We help you find a vehicle

We help you find a vehicle

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

Get pre-approved online

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 or no credit? No worries

Low or 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 Kia South can still finance you-with our own money.

Pick your payment

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!

Bad Credit Car Loans

If you're facing challenges getting approved, Go Kia South 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.

In-House Financing

Go Kia South offers convenient in-house financing solutions that will get you on the road fast. We report our loans monthly to the major credit rating suppliers in Canada so your creditors know you have a car loan in good standing.

Our Finance Partners

In addition, we also work with other world-class financial institutions to give our customers access to the best car financing rates and the widest variety of options.

Our Extensive List Of Lending Institutions Includes:

Alberta Treasury Branch
Bank of Montreal
Bank West
Chrysler Financial
Royal Bank
Scotia Bank
Scotia Dealer Advantage
Servus Credit Union
Ford Credit
First Calgary Savings
TD Canada Trust
WS Leasing
Dominion Leasing

Our Car Loan Specialties

No Credit

No Credit

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

Bad Credit

Bad Credit

Our finance sources provide offers to accommodate most credit profiles. Even with past problems, you will still get the credit you need, the car you want, and the respect you deserve as a Go Kia South customer.

First-Time Buyer

First-Time Buyer

Many Go Kia South Customers qualify for financing on their very first purchase. Even if this is the first time you've bought a car, we can offer you a number of options.

Financing Benefits

Financing Benefits

Being the biggest auto group in Canada, we have the ability to set up our own financing solutions in order to help our customers get driving. You could say we set our own rules.

Finance Vs Leasing: Which Is Better?

What are your goals? We all have different priorities in cars, life, and for our 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.

We have a team of financial experts who are happy to help you find the best option for you..

Call Go Kia South at 780-465-3535 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

About Us

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.

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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.

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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

What Should I Bring To My Finance Appointment?

All buyers should bring: Valid government-issued drivers license Current paystub 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.

Will I Be Approved?

Four main factors determine whether you get approved for a car loan: Vehicle selection--Cost, age, and mileage Application information--Employment history, residence, and income Credit history--Information contained in your credit file Down payment--Total of cash and trade 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.

How Will My Car Payments Calculated?

Once you're approved for a car loan, three factors will affect your monthly payment (in order of importance): Amount financed Term or length of contract 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.

How Do I Budget For Car Payments?

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.

What Is My Credit Score?

Your credit score is a number that helps financial institutions predict the risk associated with your purchase of a car, house, credit card, etc. Typically, your credit score ranges from about 350 to 850, and is essentially meant to forecast how (and if) you will pay your bills. In general, the higher your credit score, the 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 when determining your credit score, including, for instance, your payment history, and the number of inquiries made on your credit report.

What Is My Credit Score Calculated?

Your credit score is a number that ranges from about 350 to 850. In general, the higher the number, the 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

Should I Finance Or Lease?

Do you prefer to drive a new vehicle that will always be under warranty every few years? 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 780-395-3575 or any Go Auto dealership to schedule a free consultation.

Can I Qualify For Financing On My First Vehicle?

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.