Auto financing and credit in Edmonton | Southgate Volkswagen
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.
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…
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:
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!
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.
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.
Instructions
Applying for a car loan at Southgate Volkswagen is very simple. All you have to do is fill out the auto finance application form on this page and the (optional) comprehensive auto loan form that follows for even faster approval. Once your request has been received, you will be approved within 20 minutes in most cases, during our business hours. At Southgate Volkswagen, we offer you an ultra personalized credit approval service. Your car loan is waiting for you! For super-fast service, you can also apply for car credit by phone at 1 844 781-2344.
1 If the vehicle is identified as new: Figure shown reflects an estimate of the amount that you can expect to pay in Canadian dollars and is: (i) based on the Manufacturer's Suggested Retail Price (MSRP); and (ii) includes freight, PDI, levies, duties and dealer charges. Taxes are excluded (unless you select otherwise). Licence, insurance, and registration fees are also excluded. Environmental or related levies and taxes vary by jurisdiction. Actual selling price and other terms are set by the dealer. Dealer may sell for less. See below for further details.
If the vehicle is identified as a ""certified pre-owned"", ""CPO"", or used: Figure shown reflects an estimate of the amount that you can expect to pay in Canadian dollars and includes all options and/or equipment built with the vehicle, as well as dealer charges. Taxes, licence, insurance, and registration fees are excluded. Actual selling price and other terms are set by the dealer. Dealer may sell for less. See below for further details.
Photos for illustration purposes only, and may not reflect exact vehicle (including vehicle colour, trim, options, or other specifications). Some vehicles may be shown with optional equipment or equipment not available in Canada. Specifications, equipment, options and prices are subject to change without notice.
Although we endeavour to ensure that the information contained on this website is accurate, Volkswagen Canada, its dealers, and Volkswagen Financial Services are not responsible for any errors or omissions that may occur from time to time. Please contact your Volkswagen dealer for verification or if you would like more information on this vehicle. "Volkswagen," the Volkswagen logo, all model names and trimline names are registered trademarks or trademarks of Volkswagen AG, used under license.
2 This payment estimator is a tool to assist you to estimate your scheduled payments. We do not make any representation or warranties as to your actual amounts. Figures shown reflect an estimate of the amount that you can expect to pay in Canadian dollars based on: (i) entering into a lease agreement or a credit agreement (as applicable) with Volkswagen Financial Services; and (ii) the stated APR, term, number of periodic payments, and kilometre allowance (as applicable). Payment estimates do not include: (i) taxes (unless you select otherwise); or (ii) to the extent applicable, any excess wear and tear, late fees, or other similar fees or charges that may apply. Actual selling price, leasing / financing rates and other terms are set by the dealer and Volkswagen Financial Services, as applicable. Dealer may sell or lease for less. Leasing and financing is subject to credit approval by Volkswagen Financial Services. Leasing / financing rates, payments, prices, figures, options, offers, terms and other information may, subject to applicable law, be changed or cancelled at any time without notice. Lease example: Lease a 2021 Tiguan 2.0T Trendline FWD with 8-speed automatic transmission, at an MSRP of $29,795 plus $1,950 freight and PDI, $10 fee for applicable provincial Motor Vehicle Industry Council, $499 dealer fees, $20 Tire Tax and $100 a/c levy at 0.99% APR for 24 months with 104 weekly payments of $132.83. $0 down payment or equivalent trade-in, security deposit of $540 and first monthly payment are due at lease inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra. Kilometre allowance of 16,000/year; charge of $0.15/km for excess kilometres. The total lease obligation in this example is $14,405.65 (excluding taxes and any excess wear and tear, late fees, or other similar fees or charges that may apply). Finance example: Finance a 2021 Tiguan 2.0T Trendline FWD with 8-speed automatic transmission, at an MSRPof $29,795 plus $1,950 freight and PDI, $10 fee for applicable provincial Motor Vehicle Industry Council, $499 dealer fees, $20 Tire Tax, and $100 a/c levy at 0.99% APR for 24 months with 104 weekly payments of $314.97. $0 down payment or equivalent trade-in, security deposit of $510 and first monthly payment are due at finance inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra. The total financing obligation in this example is $32,756.88 (excluding taxes). Please contact your Volkswagen dealer for details (including actual payment information). Although we endeavour to ensure that the information contained on this website is accurate, Volkswagen Canada, its dealers, and Volkswagen Financial Services are not responsible for any errors or omissions that may occur from time to time. ?Volkswagen,? the Volkswagen logo, all model names and trimline names are registered trademarks or trademarks of Volkswagen AG, used under license.
3 Financing offers available through Volkswagen Financial Services, on approved credit, on select: (i) new and unregistered Volkswagen models; (ii) "certified pre-owned" used Volkswagen vehicles; and (iii) other used vehicles. Financing example: Finance a 2021 Tiguan 2.0T Trendline FWD with 8-speed automatic transmission, at an MSRP of $29,795 plus $1,950 freight and PDI, $10 fee for applicable provincial Motor Vehicle Industry Council, $499 dealer fees, $20 Tire Tax and $100 a/c levy at 0.99% APR for 24 months with 104 weekly payments of $314.97. $0 down payment or equivalent trade-in, security deposit of $510 and first monthly payment are due at finance inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra.The total financing obligation in this example is $32,756.88 (excluding taxes). Dealer may sell for less. Dealer order/trade may be necessary. Financing rates, payments, prices, figures, options, offers, terms and other information may, subject to applicable law, be changed or cancelled at any time without notice. Conditions apply. Please contact your Volkswagen dealer for details.
Lease offers available through Volkswagen Financial Service, on approved credit, on select: (i) new and unregistered Volkswagen models; and (ii) ""certified pre-owned"" Volkswagen vehicles. Lease example: Lease a 2021 Tiguan 2.0T Trendline FWD with 8-speed automatic transmission, at an MSRP of $29,795 plus
$1,950 freight and PDI, $10 fee for applicable provincial Motor Vehicle Industry Council,
$499 dealer fees, $20 Tire Tax and $100 a/c levy at 0.99% APR for 24 months with 104 weekly payments of $132.83. $0 down payment or equivalent trade-in, security deposit of $540 and first monthly payment are due at lease inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra. Kilometre allowance of 16,000/year; charge of $0.15/km for excess kilometres. The total lease obligation in this example is $14,405.65 (excluding taxes and any excess wear and tear, late fees, or other similar fees or charges that may apply). Dealer may sell or lease for less. Dealer order/trade may be necessary. Leasing rates, payments, prices, figures, options, offers, terms and other information may, subject to applicable law, be changed or cancelled at any time without notice. Conditions apply. Please contact your Volkswagen dealer for details. Although we endeavour to ensure that the information contained on this website is accurate, Volkswagen Canada, its dealers, and Volkswagen Financial Services are not responsible for any errors or omissions that may occur from time to time. "Volkswagen," the Volkswagen logo, all model names and trimline names are registered trademarks or trademarks of Volkswagen AG, used under license.
4 Dealer Administration Fee includes documentation and administration costs related to the delivery of the vehicle, such as the dealer cost involved in licensing, lien search, and contract administration.
5 Financing offers available through Volkswagen Financial Services, on approved credit, on select prepaid maintenance plans in connection with the financing of select: (i) new and unregistered Volkswagen models; (ii) "certified pre-owned" used Volkswagen vehicles; and (iii) other used vehicles. Additional terms and conditions apply. Refer to actual contract or contact a Volkswagen dealer for complete details of coverage and exclusions. Financing example: Finance a prepaid plan at an MSRP of $1,675 at 0.99% APR for 24 months with 104 weekly payments of $16.27. $0 down payment or equivalent trade-in, security deposit of $510 and first monthly payment are due at finance inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra. The total financing obligation in this example is $1,692.08 (excluding taxes). Dealer may sell for less. Financing rates, payments, prices, figures, options, offers, terms and other information may, subject to applicable law, be changed or cancelled at any time without notice. Conditions apply. Please contact your Volkswagen dealer for details. Although we endeavour to ensure that the information contained on this website is accurate, Volkswagen Canada, its dealers, and Volkswagen Financial Services are not responsible for any errors or omissions that may occur from time to time.
6 Financing offers available through Volkswagen Financial Services, on approved credit, on select accessories in connection with the financing of new and unregistered Volkswagen models. Taxes, shipping, installation are excluded. Proper installation required. Professional installation may be recommended. See owner's literature and Volkswagen dealer for details. Financing example: Finance an accessory at an MSRP of $215 at 0.99% APR for 24 months with 104 weekly payments of $2.09. $0 down payment or equivalent trade-in, security deposit of $510 and first monthly payment are due at finance inception. Dealer charges are included. PPSA, licence, insurance, and registration charges, and applicable taxes are extra. The total financing obligation in this example is $217.06 (excluding taxes). Dealer may sell for less. Financing rates, payments, prices, figures, options, offers, terms and other information may, subject to applicable law, be changed or cancelled at any time without notice. Conditions apply. Please contact your Volkswagen dealer for details. Although we endeavour to ensure that the information contained on this website is accurate, Volkswagen Canada, its dealers, and Volkswagen Financial Services are not responsible for any errors or omissions that may occur from time to time.
7 This is the down payment that you anticipate paying in connection with the purchase of the vehicle.
13 This means the duration (in months) of your selected protection plan.
15 This means the maximum number kilometres that your selected protection plan will cover.
16 Certifed Pre-Owned Volkswagen vehicles undergo a comprehensive 112-point inspection. If something needs replacing, only genuine Volkswagen Original Parts are used. Every Volkswagen Certified Pre-Owned vehicle is covered by our Assurance Program. If the vehicle is within 5 model years or newer and less than 120,000 KMs, you can upgrade to the Premium Assurance program.
21 Depending on the province in which you live, you may be eligible to receive incentives. These include, but are not limited, to up to $4,000* from British Columbia's Go Electric BC Program (available on the ID.4 base trim only) or as much as $4,000 from Quebec's Roulez Vert program. The QC government has recently
announced that the program will be suspended as of Feb. 1, 2025. See About the Roulez vert Program for details. The Roulez Vert program also offers an additional rebate of $600 with the purchase of the Volkswagen 2-in-1 Charging Cable. If you live in BC in a single-family home, row home, or duplex, you could receive a rebate* of up to 50% of the purchase and installation costs of an eligible Level 2 EV charger, to a maximum of $350.◊◊
◊◊ Volkswagen Canada does not administer the incentives and is not responsible for any cancellations or changes to the incentive programs. Incentive information is provided for informational purposes only and Volkswagen Canada makes no representations or warranties about the actual amounts or eligibility. Information about the incentives is based on the most current information provided by the applicable government agencies, but could change in the future. The amount of the incentive, terms and conditions of the incentive, and any eligibility or application requirements vary by province. As of January 13, 2025, the federal government has paused the Zero-Emission Vehicles (iZEV) Program. See Question and answers for details. *BC's EV incentive amount is prorated based on annual income and only available to those earning <$100,000 with the full amount available to those earning <$80,000. BC's EV charger rebate has different eligibility criteria. Conditions apply. See your dealer for more details or contact the provincial or federal administrator.
Limited time finance offer available through Volkswagen Financial Services, on approved credit, based on a new and unregistered 2024 ID.4 Electric ID.4 PRO S AWD base with single-speed transmission having a starting price of $58,299.00, including $68 PPSA registration fee (including third-party registering agent fee), $2,100 freight and PDI, $100 air conditioning levy, $23 tire recycling levy, $13 OMVIC fee, and $500 representative dealer admin fee (actual fee is set by dealers and varies, up to $500), and included in weekly payment. Dealer Administration Fee includes documentation and administration costs related to the delivery of the vehicle, such as the dealer cost involved in licensing, lien search, and contract administration. Finance example: 60-month term at 0.00% APR equals a weekly payment of $225, after application of $10,000 credit. $0 down payment or equivalent trade-in due at signing. In Ontario, Volkswagen Group Canada Inc. is responsible for the tire recycling fee used to cover the cost of collecting and recycling end of life tires when returned by consumers. License, insurance, registration, options and applicable taxes are extra. Cost of borrowing is $0 for a total obligation of $58,299. Dealer may sell for less. Dealer order/trade may be necessary (but may not be available in all cases). Conditions apply. Offers end January 31, 2025 and are subject to change or cancellation without notice.
$10,000 cash bonus available to be applied as a discount off MSRP, before taxes, on cash purchase, finance or lease (through Volkswagen Financial Services, on approved credit) of new and unregistered 2024 ID.4 models
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