Go Dodge Surrey|6280 120 St (Scott Rd), Surrey

Chrysler, Dodge, RAM, & Jeep financing made easy

If you need a vehicle but don’t have the cash to pay for it, we have options for you: financing or leasing.

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Financing your Dodge, RAM, Chrysler, or Jeep
is easy

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Use our online calculator to find the best option for your budget.

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Your credit score has an impact on your interest rate. Check your status with no impact on your score! We offer financing options for all credit situations.

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Benefits of Go Dodge Surrey financing

Whatever your situation, we’ll get you the right monthly payments. Pay for your vehicle by borrowing, leasing, or with cash in the form of a certified cheque or bank draft.

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First-time buyer

Some car buyers, including young people, don’t have a credit history, a down-payment, or a vehicle to trade-in. Don’t worry! We work with Canada’s big banks and we’ll get you flexible financing or leasing options.

Bad or no credit

At our Go Dodge Surrey customer satisfaction and transparency are our top priorities. We set ourselves apart from other dealers by not imposing hidden "documentation" or "admin" fees, which can result in up to $1,000 in additional expenses. Choose us for a straightforward and stress-free car buying experience and discover the difference our commitment to value makes.

Newcomers to Canada

When you relocate to Canada, you might be unaware that your credit score doesn't transfer with you. However, we have great news for you! Our team is ready to help you secure a loan, even without an established Canadian credit score. Soon, you'll be cruising the streets in your very first car in Canada, thanks to our commitment to finding financing solutions for everyone!

High rate on an existing loan

If you're currently in a loan agreement and feel like you're overpaying, we've got you covered. Our parent company, Go Auto, specializes in assisting customers by buying out their existing loans, securing better financing rates, and reducing monthly payments. Let us help you save money and improve your financial situation with our expert services.

What do I need to
get approved?

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Employment & income

Generally, to be eligible for financing, you should have been employed at your current job for at least three months and earn a minimum of $1,800 per month. However, we also consider alternative income sources, such as certain types of government assistance, depending on the specific circumstances. Our goal is to help a wide range of customers secure financing that suits their needs.

Down payment

While a down payment isn't always a requirement, it can frequently improve your chances of securing a car loan. By providing a down payment, you reduce the amount you need to finance, which makes lenders more inclined to approve your loan application. This approach also helps lower your monthly payments and overall financing costs, ultimately benefiting your financial situation.

Driver’s license

You need a a valid driver’s license and be the age of majority in the province that you live in.

Current address

To complete your loan documents, you must provide the lender with your current address details, including your monthly rent or mortgage payment.

Bank account

Lenders like to be able to take your loan payments directly out of your bank account. The easiest way to do this is to get a void cheque or stamped pre-authorized payment form.

Contact details

You'll need to give your full name, date of birth, phone number, and email address to apply for a car loan.

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Paying off your Go Dodge Surrey car loan

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Paying off your loan early

Many banks allow you to pay off your outstanding loan balance after a certain period, which is typically six months for most institutions. To determine if this option is available for your specific situation, we recommend contacting your bank directly or reaching out to us for assistance. We're here to help you explore your options and guide you through the process.

Changes to payments

Almost all lenders let customers make lump-sum payments or increase their regular payments. Contact us or your lender for details.

Extending a loan term

After getting your loan, it is uncommon for lenders to extend the financial agreement. However, circumstances may vary, so we recommend consulting with Go Dodge Surrey's finance specialists or directly contacting your lender to determine if an extension might be possible. Our team is here to help you navigate through your options and provide any necessary guidance.

Car loan insurance

Car insurance is a well-known necessity, but many people aren't aware that they can also insure their car loans. In the event of job loss or illness, loan insurance can provide financial protection and help cover your regular payments. To learn more about this type of insurance and how it could benefit you, don't hesitate to ask Go Dodge Surrey for further information and guidance. We're here to help you explore all available options to safeguard your investment.

Affordable financing

We have auto finance solutions if your income is low! Earning $1,800 a month or more can mean you can qualify to borrow for a car.

Switching a loan to another vehicle

Looking to switch vehicles while you still have an outstanding car loan? No problem, we've got you covered. Our team will assist you in choosing your next car, paying off your current loan, and incorporating any remaining balance into a new financing agreement. We're here to make the process seamless and stress-free, ensuring you can transition to your new vehicle with ease.

Getting a Go Dodge Surrey car loan and managing it

How long does it take Chrysler Canada finance to approve a loan application?

The time it takes for Chrysler Canada Finance to approve a loan application can vary depending on several factors, such as your credit history, income, and the amount you're financing. In many cases, approvals can be received within a few hours or a day, but sometimes it may take longer, depending on the complexity of the application.

To try to make sure the process is fast, try to provide all the necessary documentation and information when submitting your loan application. It's also a good idea to consult with the finance specialists at your dealership, who can guide you through the application process and offer advice based on your specific situation.

Is the pre-approval a hard query of my credit rating?

No, pre-approval is a soft query so it won't impact your credit rating.

Could I be declined after approval?

This is unusual. However, it can happen if there's a problem with a credit check or your documents. 

What credit score do you need for a low interest rate from Chrysler Canada?

The specific credit score required for a low-interest rate from Chrysler Canada can vary, as interest rates are determined by several factors, including your credit history, income, loan amount, and the lender's current promotional offers. Generally, a credit score in the "good" to "excellent" range (670 and above) may qualify you for more favorable interest rates.

However, it's essential to remember that a good credit score does not guarantee a low-interest rate, as other factors also come into play. To better understand your eligibility and potential interest rates, consult with the finance specialists at your dealership, who can provide guidance based on your unique financial situation and the current financing offers available.

How do I check my Chrysler Canada finance balance?

To check your Chrysler Canada finance balance, you'll need to contact your lender directly, which is usually a financial institution partnered with Chrysler Canada, such as TD Auto Finance or RBC Royal Bank. You can typically find the lender's contact information on your loan statement or agreement. Once you get in touch with them, they can provide you with your current finance balance and any other relevant details.

Alternatively, you may be able to access your account information online if your lender offers an online portal. You will need to register for online access, log in, and navigate to the relevant section to view your finance balance and other loan details.

If you're unsure about your lender or need additional assistance, you can also contact your dealership's finance department, and they can help guide you through the process.

Is it better to pay car payment twice a month?

How often you make your payments doesn't affect your credit score. The important thing is that you select a payment schedule that works for you and your budget.

How much should you put down on a car?

The greater the amount you put down as a payment, the lower your payments will be. Lenders all have different requirements for a down payment. Some ask for no down payment.