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Frequently Asked Questions

Do you have questions about our products and services? Find the answers below.

Auto Repair Loans

Insurance Requirements

All loans provided by GoTo Loans are secured by the vehicle being repaired. This means that the borrower is required to add GoTo Loans as the First Loss Payee on their auto insurance policy. This will ensure that any payoff from an insurance company will be made co-payable to GoTo Loans.

Proof that GoTo Loans was added as the Loss Payee can be submitted up to 10 days after the loan was funded. For more information on ‘How to Add GoTo Loans as a Loss Payee’, you can visit

After the 10 day grace period has expired, a default fee will be assessed on the account. The default fee is dependent on the original loan amount:

$500 – $1,500: 3.95 + HST
$1,500.01 – $3,000: $5.95 + HST
$3,000.01 – $5,000: $8.95 + HST
$5,000.01 – $7,500: $14.95 + HST
$7,500.01 – $10,000: $19.95 + HST

Proof of being added as a Loss Payee can be provided to GoTo Loans at any time. Once provided, the default fee will cease.

How is the money paid out to the vendor / mechanic facility?

Once a loan is signed by the consumer and then the Vendor, GoTo Loans will send an electronic payment on the same day directly into the Vendor’s bank account provided during the registration process.

Can you send money directly to my bank account?

All loans are funded electronically directly to the vendor. 

How long does it take to qualify for an Auto Repair Loan?

Getting approved takes just a minute! Once you provide us the vehicle details, your maximum loan amount that you are qualified for will be instantly calculated and displayed. 

What information is needed to get an Auto Repair Loan?

In order to be approved for a loan, we will need to know some details regarding the vehicle being repaired including: the year, make, model, and mileage.

In addition to this, questions regarding the vehicle’s history and usage may be asked.

No personal information of any kind needs to be provided in order to receive an approval.

If you want to accept the loan, you will need to create a GoTo Loans profile which will require you to provide a photo of your Drivers License and Vehicle Ownership. Your banking information is also required but this can be easily provided using your online banking credentials. Lastly, within 10 days of your loan being funded you will be required to provide confirmation that GoTo Loans was added to your insurance policy.

All of these items can be easily uploaded securely directly on our site.

Where can I find an authorized GoTo Loans Repair facility near me?

You can use the Vendor Locator to find authorized local repair facilities found in the top navigation menu or by clicking this link.

Can I use the repair loan at an auto body shop?

Yes! We can provide payment plans for any type of collision or body work for the entire amount of the repair or just your deductible.

Can I use my loan to buy rims and tires?

Yes! Loans can be provided for rims, tires or both as long as they also include the installation. 

Is the loan open? Can it be paid off at any time?

This loan is fully open so you can pay it off without any penalty. If you ever want to pay off the balance, just let us know and we can withdraw the balance of the loan electronically from your bank account. By paying a loan off early, you can save a significant amount of interest. 

What is the maximum loan amount I can borrow for Auto Repair Loan?

The minimum loan available is $500 and a maximum of $10,000

General Questions

I am not receiving any emails from GoToLoans

If you’re not receiving emails from us, it’s likely due to your spam filter, but it may also be one of the few reasons below. With luck one of these will either identify the problem so it can be fixed, or provide more clues to figure out the cause.

1. Have you looked in the “All Mail” label for the missing messages? What about “Trash” (or “Bin”, but not “[imap]/Trash” or anything else)? What about “Spam”?

2. Have you used the Search Mail function (with the term “in:anywhere”) at the top of the page to look for the missing messages?

3. Is the account full? Looking below the inbox, how much space, out of how much total, does it say is being used?

4. Did the senders get any sort of bounced/failed/rejected messages returned to them (post the full headers here)? If you still haven’t been able to solve this issue, contact us at or use the live chat.

5. Have you tried sending yourself a test-message from a non-Gmail account? Have you tried sending a test-message to that non-Gmail account and replying? Does either direction work?

What is required in order to get the loan?

Once your approved and if you want to continue, you will start by creating a GoTo Loans profile. This step will require you to take some pictures of your drivers license and vehicle ownership (so make sure to have those handy). You will also need to login to your online banking to connect your GoTo Loans profile to your bank account as this will allow us to withdraw the payments directly from your account.

Once your profile is set up, the Vendor will required to submit the final details of the repair. Once they are all submitted, you will receive a notification to sign the Loan Agreement.

There is only one step at this time which requires you to provide confirmation that GoTo Loans was added to your insurance policy. But don’t worry, you have up to 10 days after your loan is funded to have this last step completed.

Can I use a repair loan to buy parts?

A repair loan requires the installation of all parts to be conducted at the repair center in order to qualify – a loan cannot be provided for parts only.

Will I save money if I pay off the loan early?

YES! This is a fully open-ended loan so you only pay interest for the time you are borrowing the money. The earlier you pay the more you save!

Are there any upfront costs I need to pay?

All of the fees to process the loan will be added to the total loan amount so you don’t need to pay it upfront.

You may need to pay something upfront if the amount of your loan is less than the total cost of the repair. In this case, you will need to pay for the difference between the loan amount and the repair amount.

If you accepted a promotional loan (such as a No Interest, No Payments loan), then you may be required to pay an administrative fee upfront directly to the Vendor.

How do I make my loan payments?

All loans are set up using preauthorized payments through your bank account. Unfortunately, we do not accept payments in the form of cash, cheque or credit cards.

Additional payments can be made via Email Money Transfer or by Visa Debit.

If using Email Money Transfer, please email all funds to Once the payment is made, please follow up with a Live Chat agent to ensure the amount was applied correctly to your account.

If you would like to make a payment using Visa Debit, please contact us via Live Chat.

How long can I take to pay off the loan?

Although you can pay off the loan at any time, loans that are between $500 up to $750 qualify for a term of 12 months to 24 months.

Loans between $750 and $2,500 qualify for terms between 12 months to 48 months.

Loans above $2,500 and up to $10,000, qualify for a terms starting from 24 months up to 48 months.

Will you pay the vendor directly?

Yes, all payments are made directly to the vendor.

I already have loan with Go To Loans, can I apply for another?

Yes, Go To Loans does not have any restrictions on the number of loans you maintain as long as together the value of all loans are not greater than what is permitted to be lent against the vehicle and none of your current loans are in default.

What are the rates and fees of a repair loan?

All standard program loans include the following fees which are added to the beginning balance; a lien registration fee of $29 – $99 depending on the term of the loan and processing fees that include an insurance verification fee of $20 and and administration fee of $79. The loans are then calculated at an annual interest rate of 29.95%.

The rates and fees for promotion interest loans are as follows:

  • No Interest/No Payment loan: you will be required to pay an Administration Fee of $14.95 upfront directly to the vendor as it is not added to your loan like the standard interest program. Also, a lien registration fee of $59 is added to the beginning balance of your loan. If the loan is not repaid in full by the end of the promotion period, then the interest rate of 39.95% will be applied from the time the loan was funded with the balance being rolled over into 34 payments.
  • No Interest/Equal Payment loan: you will be required to pay the Administration Fee upfront directly to the vendor as it is not added to your loan like the standard interest programs. The Administration Fee for this program is $29.95. Also, a lien registration fee of $59 is added to the beginning balance of your loan. You will also be assessed a monthly administration fee of $4.95 for each month the loan is active.
  • No Payments for 100 Days: the following fees are added to the beginning balance of each loan; a lien registration fee of $29 – $99 depending on the term of the loan, and processing fees that include an insurance verification fee of $20 and and administration fee of $79. The loans are then calculated at an annual interest rate of 39.95%.

Privacy & Security

Do you have a privacy policy and terms agreement?

Yes we do, to access the full Privacy Policy and Terms of Agreement click hereYou may also scroll to the bottom of every page to click on the link to read it.

Is my information protected and safe with you?

Yes, all personal data is protected by our secure network. We protect this data with multiple layers of security, including leading encryption technology like HTTPS and Transport Layer Security. We continuously monitor our services and underlying infrastructure to protect them from threats, including spam, malware, viruses, and other forms of malicious code.

We never give access to your data or our servers that store your data or onsell your information to third parties. Please read our Terms of Agreement and Privacy Policy to learn more. 

Repair Center

How can information in the Vendor Locator be updated?

Simply login to the Vendor dashboard and go to Profile > Business Profile, where Logo and Storefront Images can be updated, and go to Profile > Services & Description, to choose all relevant Services that will show up in customer searches and to complete a Description of up to 500 characters that will be showcased to prospective customers.

Can I use the Go To Loans logo in my advertising and marketing?

We are happy to work with vendors on their promotions. If you wish to use Go To Loans logos on your website or within your marketing promotions, please get in touch with us at and tell us what you require. 

Does Go To Loans provide vendor marketing support?

As soon as a vendor is activated on the platform, they will receive a free “dress up kit” to promote this new service offering. The free kit includes; flags, posters, brochures, sticker and other supplies needed to promote repair loans. For a small additional cost, Go To Loans can provide further marketing collateral as needed to any vendor.

Do you offer after hours customer service?

You can submit inquiries 24/7 directly to Go To Loans through the Live Chat located at the bottom right of your screen. Messages will be responded to during normal business operating hours. 

What are the loan amounts provided?

Go To Loans offers auto repair loans from $500 to $10,000.

I submitted incorrect info on my application, how do I change it?

As long as the loan has not yet been funded, any information that needs to be edited in an application can be changed by you or the Customer.

How are loan applications submitted?

If your Customer requests to finance their repair, you can assist them by starting the process online through your account. Once the application process has started, the Customer can then continue the process from their home computer or phone.

How quickly does the Customer qualify for the repair loan?

A Customer can be qualified instantly once they provide their vehicle information. They don’t need to provide any personal information in order to get an approval. Go To Loans does not require any credit checks or income verification to be conducted in order for a Customer to receive a loan.

As a vendor, how involved do I need to be during this process?

Once a Customer provides all their required information into the system, you will then be required to upload pictures into the system. You will be required to take photos of the following, the front of the vehicle including license plate, the vehicle’s VIN and odometer. In addition to this, you will be required to upload a copy of the repair invoice signed by the Customer. 

When the vehicle is ready to be picked up you will be required to electronically sign a document confirming the repair was complete and you are assigning your rights to Go To Loans.

Once the document is electronically signed, the funds for the repair will then be sent directly to your bank account. To watch a video on the process, click here.

As a vendor, what documents am I required to sign with each loan?

Once the repair has been completed and the vehicle is ready to be picked up, the Customer will electronically sign the repair loan agreement. Once they sign, you will get get an email notifying you to sign the agreement as well. Once this step is done, you will be sent an email with a verification that the payment was sent to you electronically.