Strong Credit
Customers with strong credit may qualify for competitive rates and a wider range of lending options.
Finance
AUTO FINANCING • RED DEER
Financing Made Clear.
Financing Made Clear.
Options Made Simple.
No Guesswork.
Whether you’re buying new or used, rebuilding credit or simply comparing options, our finance team is here to help you understand what makes sense for you.
✓ Soft Credit Check Available
✓ Multiple Lender Options
✓ New & Used Financing
✓ Local Finance Team
START WITH YOUR SITUATION
Financing Should Fit Your Life
Vehicle financing involves more than just finding a monthly payment. Loan term, interest rate, down payment, trade value and vehicle price all work together.
Our finance team can help you compare those pieces and build a financing structure around your budget and ownership goals.
DIFFERENT CREDIT. DIFFERENT OPTIONS.
Wherever You’re Starting From
Financing options vary by credit history, income, vehicle choice and lender requirements.
Building Credit
A limited credit history or a few missed payments doesn’t automatically mean you’re out of options.
Rebuilding Credit
If you’ve had past credit challenges, we can review available lender programs and help explain what may be possible.
New to Canada
Newcomers may have access to financing programs designed for customers who haven’t had time to establish a long Canadian credit history.
FRESH START FINANCING
Check Your Options Without Starting With a Hard Credit Hit
Southside’s pre-qualification process uses a soft credit check through AutoVerify, allowing you to explore affordability information without impacting your credit score.
It’s a simple way to get a clearer idea of where you stand before committing to a vehicle.
Start Pre-Qualification
WHY START HERE?
- No credit-score impact from the soft check
- Fast online process
- Secure identity verification
- Better idea of affordability
SIMPLE PROCESS
How Vehicle Financing Works
Tell Us About You
Start with basic information about your income, credit situation and what you’re hoping to drive.
Review the Options
Our finance team works with available lenders to review potential financing structures.
Choose the Right Vehicle
Once you understand the budget, you can shop with a clearer idea of what fits.
Finalize the Details
Review the term, rate, payment and total financing structure before completing your purchase.
PLAN BEFORE YOU BUY
Finance Tools
Use these tools to understand your budget before choosing your next vehicle.
Pre-Qualify Online
Get a better idea of your financing options before spending time shopping.
- Soft credit check available
- Secure online process
- Fast way to start
Payment Calculator
Estimate payments using vehicle price, term, rate, trade value and down payment.
- Compare payment terms
- Include your trade
- Estimate affordability
Value Your Trade
Find out what your current vehicle may be worth and how that value could affect your next purchase.
- Estimate trade value
- Reduce amount financed
- Plan your upgrade
MONTHLY PAYMENT
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THE WHOLE DEAL
UNDERSTAND THE WHOLE STRUCTURE
Don’t Judge Financing by Payment Alone
A lower payment can sometimes simply mean a longer loan term. That’s why it’s important to look at the complete structure.
Vehicle Price
Interest Rate
Loan Term
Down Payment
Trade Value
YOUR TRADE CAN CHANGE THE NUMBERS
Put Your Current Vehicle to Work
Your trade-in value may help reduce the amount you need to finance on your next vehicle.
- Reduce the financed amount
- Lower your required cash down
- Potentially lower payments
- Simplify the upgrade process
YOUR
TRADE
CAN BE PART OF THE PLAN
FINANCING FOR BOTH
New or Used — We Can Help You Compare
Factory Programs & New-Vehicle Options
New vehicles may qualify for manufacturer incentives, special rates or other programs depending on the vehicle and current offers.
Browse New Inventory →More Price Points & Vehicle Choices
Used vehicles can offer a wider range of purchase prices and financing structures.
Browse Used Inventory →
WHY SOUTHSIDE FINANCE?
You’re More Than a Credit Score
Financing should start with understanding the customer, not making assumptions.
Multiple Lenders
Access to local and national lenders means more opportunities to compare options.
Experienced Team
Our finance team can help explain rates, terms and the details that affect your payment.
Different Credit Situations
Good credit, limited history or past challenges can each require a different financing approach.
Clear Answers
Ask questions and understand the financing structure before making your decision.
COMMON QUESTIONS
Auto Financing FAQ
What credit score do I need to finance a vehicle?
There isn’t one universal credit score requirement. Lenders consider several factors, including credit history, income, debt obligations, down payment and the vehicle being financed.
Will pre-qualifying hurt my credit score?
Southside’s AutoVerify pre-qualification process uses a soft credit check, which does not impact your credit score.
Can I finance a vehicle with past credit problems?
Financing may still be available depending on your current financial situation and lender requirements. Our finance team can review available options with you.
Does a trade-in help with financing?
Yes. Trade-in value can be applied toward your purchase and may reduce the amount you need to finance.
Should I focus on the monthly payment?
Payment is important, but it should be considered alongside interest rate, term, down payment, vehicle price and total amount financed.
Can I finance both new and used vehicles?
Yes. Financing options are available for both new and pre-owned vehicles, subject to lender approval and vehicle eligibility.
SEE WHAT YOUR OPTIONS LOOK LIKE
Start With Pre-Qualification, Not Guesswork.
Explore your financing options online, estimate a payment or find out what your current vehicle is worth.