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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Go Auto's pay off


Repayment of loan

The repayment period is an important part of the agreement. It should be strictly followed. Every repayment is recorded and reflected in the credit report. Paying off is normally done automatically by the lender. But there should be enough amount in the account of the borrower.

Conditions of loan extension

Go Auto every time considers your lifestyle and your budget carefully to offer you the most convenient and beneficial payment schedule. If by some emergency or any other unexpected circumstances, you cannot afford to make payments with the agreed timetable, you should contact the lender as soon as possible.

Go Auto can lower the interest rate on your vehicle over time as long as you are making regular payments, or reconsider the loan duration. The company is not in a position to have you stuck with a rate you can’t afford. So, address the company as soon as possible and ask to reconsider your circumstances.

Early payoff

If you consider paying off your debt earlier and thus downturn your financial burden, address the lender first. Early payments are not always available free of charge, and you need to calculate your loan obligations carefully.

Besides, if early payments reduce the exact number of the payments you do within the loan, they do not improve your credit score as far as credit score calculations include the number of payments made. Thus, consult the lender, verify the terms for early payments, and then just calculate what is more profitable.


How do I make a payment to Go Auto?

Go Auto consultants either accept bank car loans or consider provisions of the enterprise's funds. The schedule of payments is stipulated and agreed upon by the contract the client signs. The payments are generally withheld with the client's bank account, as indicated in the agreement with Go Auto.

What happens if you don't pay back Go Auto?

If you miss a loan payment, the lender will contact you first to get the issue settled. But, please, do not forget that any missed payment brings a derogatory mark on your credit report and may negatively influence your credit score. The lender may consider your account as delinquent, with further reporting to credit bureaus.

Defaulting on a vehicle loan will affect further credits, including mortgages and credit cards. Your vehicle can be repossessed and sold out at an auction. In case the sum gained upon selling does not cover the total debt amount, the lender will come back to you to get the rest of the money or even sue you. A repossession is considered a serious degrading point for a credit report and will stay there for seven years.

 Any remaining debt can be also sent to collections, and you may face further problems, including a lien to put on your house.

Can you pay Go Auto early?

Go Auto on its website does not publish clear and exact information on early payments. This issue may be discussed at the agreement signing.

Can Go Auto sue you?

Yes, it definitely can sue the clients. It is a client’s responsibility to pay out his/her obligations in due previously agreed order.

Calculate loan payments in Go Auto

Go Auto calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

1000 $
50000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Go Auto

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Go Auto from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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