Acceptance of these terms
This website is operated by Anders Ponton, a representative of Go Kia Richmond, VSA dealer #50655, at 5660 Minoru Blvd, Richmond, British Columbia. By using this site or submitting an application you agree to these terms. If you do not agree, please do not use the site.
Eligibility
You must be at least the age of majority in your province (19 in British Columbia), a resident of Canada, and legally able to enter into a financing contract. Applications must be for yourself, with your own accurate information.
Applications and credit consent
Submitting an application authorizes Anders Ponton, Go Kia Richmond, Go Auto and their lending partners to obtain a consumer credit report about you and to share your application and credit information with lenders for the purpose of arranging vehicle financing. A financing application results in a hard credit inquiry, which may affect your credit score. Full details are in the Privacy Policy.
No guarantee of approval
Nothing on this site is an offer of credit, a pre-approval, or a promise of financing. All financing is on approved credit and subject to lender review of your income, employment, credit history, affordability and the vehicle being financed. No one can lawfully guarantee approval, and we do not.
Rates, payments and vehicle information
Interest rates, terms, payments and any figures shown on this site are illustrative and vary by lender, term, credit profile and vehicle. Subprime auto loan rates in Canada commonly fall between 12.9% and 29.99% APR (Finder Canada), and since January 1, 2025 the federal criminal interest rate is capped at 35% APR. Your actual rate is set by the lender that approves your application and disclosed in your financing contract before you sign.
Vehicle availability, pricing and specifications are supplied by the dealership and may change without notice. Errors and omissions excepted.
Statistics and third-party sources
Statistics presented in our Credit Resources are attributed to their published sources, including Go Auto, Equifax Canada, TransUnion Canada, the Bank of Canada and the Department of Finance Canada. They are provided for general education, are accurate as of the dates cited, and are not a prediction of your individual outcome.
Communications
By providing your phone number or email you consent to being contacted about your application, including by automated calls or text messages. You can opt out at any time as described in the Privacy Policy.
Acceptable use
You agree not to submit false information, apply on behalf of another person without authority, scrape or reproduce site content for commercial purposes, or interfere with the operation or security of the site. Site content, text, images and design are owned by ApprovedByAnders or its licensors.
Third-party links
This site links to third-party resources such as goauto.ca tools and gorichmondkia.ca. We do not control those sites and are not responsible for their content, accuracy or privacy practices.
Disclaimer and limitation of liability
The site and its content are provided on an as-is basis without warranties of any kind. Nothing here is legal, financial, credit-counselling or tax advice. To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential damages arising from your use of this site.
Governing law and changes
These terms are governed by the laws of British Columbia and the federal laws of Canada applicable in it. We may update these terms at any time; continued use of the site after an update means you accept the revised terms. Questions: aponton@goauto.ca.