Get pre-approved for auto financing, online, with Go Nissan!
- Easy to apply
- We finance (when the banks don’t)
- We can re-finance, for a lower rate
The Financing Process
At Go Nissan, we think everyone should be able to drive a vehicle—so we go out of our way to make it happen! Always going above and beyond, our in-house finance team, easy online approval process, and various specialty auto loans are guaranteed to help you get the Nissan you want at a great price. Low credit? No credit? No issues, at Edmonton’s Go Nissan group of dealerships.
We help you find
a vehicle you love
A team of 24/7 personal shoppers will scour the inventory of our 40+ affiliated Go Auto dealerships, in order to get you the exact vehicle you want!
Easy online pre-approvals
Simply fill out the confidential online pre-approval form (do it in your pyjamas, we don’t mind), and you’ll be one step closer to your new Nissan.
No credit? No problem
We’re so dedicated to getting you behind the wheel of a new Nissan, we’ll approve you with our own money—even if the banks won’t.
Whether you’re pre-approved by the bank or Go Auto, we can find the right payment plan that fits into your budget perfectly!
Over 300,000 people have been approved!
Bad Credit Car Loans
Regardless of your credit situation, Go Nissan can get you approved. With a dedicated team and the best financing tools, we’re confident that we will find the right deal (not to mention the right Nissan) for you. What have you got to lose?
Go Nissan’s in-house finance team has the knowledge, experience, and tools to get you back on the road—and we’re happy to help! Plus, we report our loans monthly, meaning you’ll start building or improving your credit in no time.
Our Finance Partners
We work with a variety of lenders and financial institutions around the world to get you the best finance rates on the market. Of course, if you don’t get approved by the bank, Go Auto will finance you themselves!
Our Extensive List of Lending Institutions Includes…
We work with the best international financial institutions and lenders, providing access to the best rates and options on the market. Those institutions include, but aren’t limited to:
Alberta Treasury Branch
Bank of Montreal
First Calgary Savings
Scotia Dealer Advantage
Servus Credit Union
TD Canada Trust
Our Specialty Car Loans
Go Nissan specializes in car loans—no matter the problem, we have the solution to get you behind the wheel of a new Nissan.
Want to establish a credit score? Go Nissan can help; plus, you’ll be driving a stylish new Nissan. Build credit the best way, with a brand new vehicle from Go Nissan!
Stuff happens, and bills fall by the wayside. At Go Nissan, we understand this, which is why we can get you approved no matter your credit situation.
How good are we? Even if it’s your first vehicle, the finance team at Go Nissan can help you qualify for a great car loan!
Go Auto is the biggest automotive group in Canada, and can create our own finance solutions to help get you on the road in a new Nissan.
ESTIMATE YOUR CAR PAYMENTS
FINANCE VS LEASING: WHICH IS BETTER?
Edmonton’s Go Nissan caters to a wide variety of customers across the city. From different credit situations, to different vehicle needs, the one constant is our desire to get you behind the wheel of the vehicle that’s right for you at a great price. Sometimes that means financing and sometimes that means leasing, but we’re happy to help you determine which one is right for your situation. Of course, if the following guide doesn’t clear it up for you, just call one of our dealerships and we can offer a free consultation to break down the pros and cons further!
Leasing may be the right choice for you if…
– You like driving a new car every 2-3 years
– You want a lower monthly payment
– You crave the latest tech and features,
alongside an up-to-date warranty
– You want to build equity for future ownership
– You have a stable lifestyle, and predictable finances
– You regularly drive a similar amount
– You take pride in a properly maintained vehicle
If this sounds like you, choose leasing!
Financing may be the right choice if…
– You’re interested in building trade-in or resale equity
– You want ownership of your Nissan
– You want to be payment free (once your loan is paid)
– You want to customize your vehicle
– You anticipate owning it for a long time
– You aren’t afraid any post-warranty repair costs
– You’re okay with a higher monthly payment
– You drive a lot, or don’t want to worry about your mileage
– Your lifestyle is open to changes in the future
If these are more applicable, you may want to finance your Nissan.
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
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.
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.
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.
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 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.
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
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) 777-7777 or any Go Auto dealership to schedule a free consultation.
You can also learn more at our financing vs leasing page.
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.