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The Financing Process

Our financing process is as easy as one, two, three, Team Ford! Start by filling out our easy credit application, call 587-520-9908 or email us!


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Car Loans at Go Auto Express

Bad Credit Car Loans

If you're having challenges getting approved, Team Ford 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.

Financing at Go Auto Express

In-House Financing

Team Ford 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.

Financing Partners at Go Auto Express

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 widest variety of options.

Our extensive list of lending institutions includes:

  • Alberta Treasury Branch
  • Bank of Montreal
  • Bank West
  • Chrysler Financial
  • Carfinco
  • Ford Credit
  • FinanicialLinx
  • First Calgary Savings
  • Royal Bank
  • Scotia Bank
  • Scotia Dealer Advantage
  • Sevus Credit Union
  • TC Canada Trust
  • VFC WS Leasing
  • Dominion Leasing

At Team Ford, bad credit isn't a barrier to buying a car. We have financing tools and credit specials on hand to help you get back behind the wheel with affordable car loans.

Our team has helped thousands of people who have had trouble getting a car loan through conventional sources. We'll help you finance a car or truck with bad credit or no credit in Edmonton, AB or as far as BC or the NWT.

Apply for bad credit financing
No Credit at Go Auto Express

No Credit?

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

Bad Credit at Go Auto Express

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 Team Ford customer.

First Time Buyer at Go Auto Express

First-Time Buyer?

Many Team Ford 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 at Go Auto Express

In-House 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.

Which is Better:

Leasing or Financing?

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 Team Ford at 587-520-9908 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

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

All buyers should bring:

  1. Valid government-issued drivers license
  2. Current paystub
  3. Void cheque
  4. Contact a your Sales Consultant for a complete list of what you'll need to buy or trade in a car with Team Ford.

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

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

On approval, 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. Monthly payments normally range from $20 - $25 per $1,000 financed.

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, the lower the risk. 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 587-520-9908 or any Go Auto dealership to schedule a free consultation.

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.

Please speak with our trade advisor for more information.