Finance Department

Finance a New Volkswagen in Edmonton, AB

Here at Southgate Volkswagen, we believe that getting behind the wheel of your next new or used VW should be a simple and relaxing process. That’s why we offer low-interest financing and leasing rates for customers all across Edmonton, St. Albert, Sherwood Park, Leduc, and Spruce Grove. So regardless of whether you’re looking for a Tiguan, Passat, Golf, Jetta, GTI, or other great Volkswagen model, Southgate Volkswagen has the financing you need to get on the road!

Plus, our friendly financing experts will work with you to ensure you understand all your options before you sign anything. Here at Southgate Volkswagen, we believe in providing you with a financing or leasing arrangement that works perfectly with your budget and lifestyle. We will also walk you through every step of the process, so you know exactly where your money is going.

Bad-Credit Vehicle Financing in Edmonton

At Southgate Volkswagen, our financial experts are happy to work with everyone, regardless of their credit scores. We understand that people like new Canadians, first-time buyers, and those with past credit issues still deserve to drive away in a quality vehicle. This is why we offer a variety of subprime financing options to help you get that vehicle and rebuild your credit. In fact, financing a vehicle can be an excellent way to rebuild your credit…

Will Southgate Volkswagen work with me?

Our Finance Advisers have been able to set people up with the vehicle they need, no matter what the credit situation might be. You can qualify for bad-credit vehicle financing in Edmonton even if you suffer from:

  • Bad Credit
  • No Credit
  • New Canadian residency
  • Bankruptcy
  • Divorce
  • Judgments

I fit into one of the categories above–what should I do?

Don’t fret; you’re one of many Canadians who also suffer credit woes. To improve your credit, start by getting reports from one of the Canadian reporting agencies, Equifax or TransUnion. This will help you figure out what exactly is impairing your credit. Credit reports may contain inaccuracies you can correct to help get your credit back to normal. Take these credit reports to your bank or credit union and get their opinion on their accuracy. On your reports, you’ll also see your credit score, and the higher it is, the more likely you’ll be able to obtain credit and/or secure a lower interest rate. If you have a lot of debt, then consider paying that off before you finance a vehicle.

In fact, your bank or credit union is an excellent place to get an opinion about your credit and financing a vehicle. They can also give you a quote for financing, but keep in mind that these quotes are non-negotiable. With a lender like Southgate Volkswagen, we negotiate with multiple banks on your behalf, so quite often we can beat your bank’s offer.

When it comes to the long term, paying down high balances and paying on time will go a long way to improving your credit. We recommend not making dramatic credit changes and not closing old accounts. Taking out a loan and repaying it will help a lot too! For example, taking out a student loan is great because the interest on that loan will be low, and you’ll get plenty of time to pay it off. Car loans are wonderful too because they’re over a long period, giving you a lot of time to impress your lender, and then one day you’ll own a vehicle!

How does financing a vehicle work and help with bad credit?

If you need a vehicle today and aren’t able to take the time to pay off your debt and boost your credit a bit, then that’s okay, because lenders will work with you. Southgate Volkswagen has a variety of offers for bad-credit vehicle financing in Edmonton, and our offers have reasonable interest rates too.

When you finance a vehicle, as you make regular payments toward the cost of the loan you took out, the lender and financial institution involved take notice. You’ll eventually earn their trust, your credit rating will increase, and then they’ll be much more willing to work with you in the future!

So visit our Edmonton-based dealership to see how we can help you today with bad-credit vehicle financing in Edmonton.

Fast, Simple Pre-Approval

Ready to start your approval process? Then check out our online credit application! Just fill out our simple form and one of our finance representatives will contact you right away to explain what happens next.

Sales Info

Phone Number:Sales Hours:
  • Mon - Thu9:00 AM - 8:00 PM
  • Fri - Sat9:00 AM - 6:00 PM
  • Sun11:00 AM - 4:00 PM


Southgate Volkswagen is located at: 1223 - 101 Street SW • Edmonton, AB T6X 1A1
Schedule Service
Southgate Volkswagen 53.422226, -113.489229.