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1-855-395-1823 14755 137 Ave, Edmonton, Alberta, T5L 2L5
Go Nissan North
Go Nissan North
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    • New Nissans
      • New Vehicles
      • Best Deals
      • Nissan Murano
      • New Nissan Research
    • Used Vehicles
      • Used Vehicles
      • Best Deals
      • Certified Pre-Owned
      • Sell us your car
    • Service & Parts
      • Why Service With Us?
      • Shop Tires
      • Book A Service Appointment
      • Order Parts
    • Financing
      • Finance Department
      • Credit Application
      • Bad Credit
      • Loan Calculator
    • About Us
      • Contact Us
      • Hours/Location
      • Our Staff
      • Why Buy at Go Nissan North?
    • Go Card
    • Our Staff
    • 2018 Consumer's Choice Award
    • Research
      • Model Lineup
      • Demo vehicles at GNN
      • Nissan Qashqai vs Honda HRV
      • Nissan Murano vs Ford Edge
      • Learn more about what Go Nissan North has to offer!
    • Nissan Technology
      • Nissan XTRONIC CVT
      • Nissan Connect
      • Nissan ProPILOT Assist
    • Used Vehicle Selection

    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 Financing Process

    Find A Vehicle Icon

    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 Approved Icon

    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!

    No Credit Icon

    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 Payment Icon

    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

    Woman driving

    Bad Credit Car Loans

    If you’re facing challenges getting approved, Go Nissan North 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.

    Handshake

    In-House Financing

    Go Nissan North 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.

    Filling out forms on a desk

    Our Finance Partners

    In addition to Go Finance, our in-house finance company, 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.

    We Can Approve You Too

    OUR EXTENSIVE LIST OF LENDING INSTITUTIONS INCLUDES:

    Alberta Treasury Branch

    Bank of Montreal

    Bank West

    Chrysler Financial

    Carfinco

    Ford Credit

    FinancialLinx

    First Calgary Savings

    Royal Bank

    Scotia Bank

    Scotia Dealer Advantage

    Servus Credit Union

    TD Canada Trust

    VFC

    WS Leasing

    Dominion Leasing

    OUR CAR LOAN SPECIALTIES

    Woman driving car

    No Credit

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

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    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 Nissan North customer.

    man sitting in driver seat

    First-Time Buyer

    Many Go Nissan North 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.

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    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.

    Let’s Get Started

    ESTIMATE YOUR CAR PAYMENTS

    $0

    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 financial experts who are happy to help you find the best option for you. Call Go Nissan North at 1-855-395-1823 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.

    Short Term Cost Bar Graph


    Medium Term Cost Bar Graph

    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.

    Long Term Cost Bar Graph

    Frequently Asked Questions

    What Should I Bring to My Finance Appointment?

    All buyers should bring:

    1. Valid government-issued drivers license
    2. Current paystub
    3. 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:

    1. Vehicle selection—Cost, age, and mileage
    2. Application information—Employment history, residence, and income
    3. Credit history—Information contained in your credit file
    4. 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 are my car payments calculated?

    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.

    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.

    How 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) 777-7777 or any Go Auto dealership to schedule a free consultation.

    You can also learn more at our financing vs leasing page.

    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.

    Get Pre-Approved Today

    WE’RE HAPPY TO HELP WITH ANYTHING YOU NEED
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    Go Nissan North 14755 137 Ave, Edmonton, Alberta
    T5L 2L5

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    | A Go Auto Dealership

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    1 - Incentives are provided by a 3rd party in real time and are not guaranteed as accurate by Go Auto. For guaranteed, up to date incentives and vehicle pricing, please contact Go Auto or any Go Auto dealership. Go Auto Vehicle Price may reflect incentives and may not be available as the finance or lease price. Finance and Lease payments are estimates only based and are OAC. Not all Cash and Finance and Lease Incentives can be combined.