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1200 Harbourview Drive, Dartmouth, NS B2Y 0A1

Sales (902) 555-0141

Atlantic Motors Financial Services

Financing without the fog

Build your payment yourself, see the same rate sheet our finance desk uses, and get pre-approved before you fall in love with anything. Eight lenders. One honest conversation.

Payment calculator Get pre-approved

Real amortization math

Payment calculator

Adjust price, down payment, trade value, rate and term. Came from a vehicle page? Your vehicle's price is already loaded.

Not sure? Get a trade estimate

Payment frequency

Example estimate only, on approved credit. It leaves out the $399 documentation fee, HST and registration. The starting rate, term and down payment are examples; your real rate is set when you get pre-approved. Demo site: no data is sent anywhere.

Your example payment

$545

per month

Amount financed
$32,000
Total interest
$7,270
Price plus interest
$42,270
Get pre-approved

This month

Example rates

Example financing rates by vehicle age and term, on approved credit
Vehicle Terms Rate (APR)
New vehicles 36 to 60 months from 3.99%*
New vehicles 72 to 96 months from 5.49%
Used (2022 and newer) 36 to 84 months from 6.99%
Used (2018 to 2021) 36 to 72 months from 7.99%
First-credit and newcomer program up to 72 months from 9.49%

* 3.99% is an example dealer offer on in-stock new hybrids this month; see current specials. All rates are examples, on approved credit, and your rate depends on your credit profile, the term and the vehicle's age. Example payment only: 6.99% APR over 84 months with $0 down, on approved credit. It is based on the advertised price and leaves out the $399 documentation fee, HST and registration. Your actual rate depends on your credit, the term and the vehicle. Demo site, so all figures are illustrative.

Two minutes, soft check

Get pre-approved

Know your buying power before you shop. A pre-approval holds your rate for 30 days and doesn't commit you to anything or ding your score.

  • Soft credit check only, with no score impact
  • Response within one business hour
  • First credit, new-to-Canada and rebuilt credit welcome
  • Rate held for 30 days across any vehicle in stock

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Straight answers

Financing questions we hear every week

Will a pre-approval hurt my credit score?

The first review is a soft check, so it doesn't affect your score. A full credit application (hard check) only happens once you've picked a vehicle and want final numbers.

Can I get financed with no credit history or past bruises?

Usually, yes. Priya's desk works with eight lenders, including two that focus on first-time and rebuilding credit. Expect a somewhat higher rate and a realistic conversation, not a decline letter.

Should I finance through the dealership or my bank?

Bring us your bank's offer. About half the time we beat it through lender volume programs; when we can't, we'll tell you to take the bank's deal. Either way you'll know the true cost side by side.

Is there a penalty for paying the loan off early?

None of our lenders charge prepayment penalties on standard vehicle loans. Extra payments go straight to principal, and the calculator above shows how much interest that saves.

More questions about fees, trade-ins and service? Read the full FAQ.

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