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Go To Loans


About lender

GoTo Loans is a Canadian fintech lender offering online automotive repair loans up to $10,000 for 12 to 48 months.

The company was established in Thornhill, Ontario, in 2017 to provide loans with no credit checks and income verification in Canada.


GoTo Loans provides a wide range of services: from mechanical, electrical, collision, and rust repairs to exhaust and emission and rims and tires installation.

It's an alternative option for people who don't qualify for the traditional lenders and want to get a loan quickly and easily without providing personal and income information.

GoTo auto repair loans could be used for any vehicle repair as long as they include the labor of the authorized installer.

There are different payment options: no interest payment, no payment for 90 days, deferred payment for 100 days, and no-interest equal payments for 24 months.

All loans are set up using preauthorized payments through your bank account and deposited directly to the car service's bank account. The company doesn't accept payments in the form of cash, cheque, or credit cards.

Pros and cons

You could get a GoTo vehicle repair loan if you meet simple and transparent requirements.

Look through this pros and cons review to decide whether GoTo loans is your best solution.


  • Simple and convenient online services
  • Fast approval and funding
  • Evaluation based on the value of the vehicle
  • Flexible repayment terms of 12 — 48 months
  • No hidden fees
  • Loans are paid out through direct deposit
  • No income verification
  • No credit check
  • No upfront payment

Overview of the drawbacks you should know before borrowing:


  • High-interest rates
  • A lot of fees with a high cost (NSF fees, administration fees)
  • Not available for part-only purchases without installation
  • Available only with authorized GoTo loans vendor services
  • Cash is paid directly to the car service center
  • The vehicle should meet the requirements

A GoTo loan is a good option for borrowers who have bad credit or don't want to provide personal info.

There are advantages and disadvantages of GoTo loans financial services, but borrow responsibly: calculate all the additional costs and read the conditions of promotional plans.

Loan conditions

The customers can borrow $500 — $750 for terms 12 — 24 months, $750 — $2,500 for 12 — 48 months. Loans above $2,500 and up to $10,000 must be repaid within 24 — 48 months.

You could repay weekly, bi-weekly, semi-monthly, and monthly.

  • Rates and fees of standard programs

A lien registration fee of $29 – $99 depending on the terms, processing fees including an insurance verification fee of $20, and an administration fee of $79. All the fees are added to the beginning balance. The annual interest rate is 29.95%.

  • Rates and fees for promotion interest loans
  • No Payments for 100 Days plan's fees are the same as within standard plans, but the AIR is 39,95%.
  • No Interest/No Payment loan: an administration fee of $14.95 is paid upfront directly to the vendor, and a lien registration fee of $59 is added to the beginning balance. If the loan is not repaid in full by the end of the promotion period, the AIR of 39.95% will be applied from when the loan was funded.
  • No Interest/Equal Payment loan: an administration fee of $29.95 is paid upfront directly to the vendor, a lien registration fee of $59 is added to the beginning balance of your loan, and an administration fee of $4.95 is assessed monthly.

You only pay interest when you are borrowing the; you can pay early penalty-free and save money.

GoTo Loans are available for any vehicle repair, including collision and rust repairs, rims and tires, electrical and mechanical repairs, general vehicle maintenance, and almost all automotive accessories and upgrades.

With GoTo Loans, you can be approved for multiple loans up to the maximum value of the vehicle. For instance, if your car is approved for $10,000 – you may borrow $5,000 on a first loan, $2,000 on a second loan, and $3,000 on a third loan. All of your current loans with the lender should be in good standing.

Methods of a loan funding

The payments are transferred directly to the vendor's bank account once you both have signed the loan agreement.


What is GoTo Loans?

GoTo Loans Canada offers vehicle repair loans online. It works with service centers that want financial services and clients who want to get a loan based on their car's value. You could borrow up to $10,000 with an AIR 29,95%. No interest payment plans.

Who owns GoTo Loans?

Go To Loans Inc. is a private corporation established in Thornhill, Ontario, in 2017.

How do you qualify for GoTo Loans?

The only requirements you should meet are based on the equity in your vehicle.

The value of borrowing funds is based on the make, model, and year. The company conducts a manual review if a vehicle is over 12 years old or has high mileage. It could take 5 minutes to one business day (depending on when it’s submitted).

To qualify borrower should be 18 years or older and have:

  • Valid driving license

  • Vehicle ownership and insurance

  • Copy of a cheque or a Pre-Authorized Debit Agreement

  • Canadian bank account to make payments by direct debit

If you meet these requirements, you are welcome to apply! 

How much can you borrow from GoTo Loans?

From $500 to $10,000

Is GoTo Loans a legitimate company?

Yes, it is. The lender has been operating in Canada since 2017.

How does GoTo Loans work?

You can apply through the official GoTo loans website or your vehicle vendor. Enter your car information and get instant approval.

You will start by creating a GoTo Loans profile when you're approved. First, fill in the amount, terms, and paying frequency. Then, be ready to provide the pictures of your driver’s license, vehicle ownership, and insurance, a copy of a cheque, or a Pre-Authorized Debit Agreement. Next, you will need to connect the profile to your bank account to withdraw the payments directly from it.

The service center technician will be required to submit the final details of the service and upload the necessary documents. Then you will receive an email with a notification to choose the payment date and electronically sign the loan agreement. Confirm that GoTo Loans is added to your insurance policy as a Loss Payee within ten days to ensure that any payoff from an insurance company will be made co-payable to GoTo Loans.

The money is deposited directly to the service center account after signing the agreement.

The services are provided on the Internet. Therefore, the entire process can be done online and paperless. 

Online you could apply 24/7, even if it's not during operating hours. So, for example, if you fill out the form on holiday, send your application and documents, and it will be in the process the next business day.

How do I contact GoTo Loans?

To contact the lender, you could use the live chat at the official website during operating hours. First, click the blue menu “Message” at the bottom right corner of the page. Then, just fill in your name and email or sign in with your Facebook or Google account.

Operating hours: Monday — Friday from 9:00 am to 8:00 pm. Saturday from 9:00 am to 6:30 pm. Sunday closed.

There is a contact form to solve your problem anytime. Leave your name, email, phone number, and question, and the customer service agent will get in touch during business hours.

 You could email or call Toll Free: 1 (833) LOAN-4U2

Address: 3-1136 Centre St., Suite 427 Thornhill, ON L4J 3M8

Company documents

Privacy Policy

Instant Auto Repair Loans - No Credit Check or Credit Application

© GoTo Loans

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What to pay attention to when applying for a loan from Go To Loans

  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 To Loans 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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