Drive Auto Group
A Step-by-Step Guide
Our team members know that walking into a dealership for the first time can feel a bit like a high-stakes exam. With car loan rates in Ontario for 2026 changing from month to month, you might feel more "dealership anxiety" than excitement. We’re here to change that.
The secret to a stress-free experience isn't just finding the right car—it’s having a good understanding of the process so you attack it with the right information.
We’ve designed this guide to provide you with a foolproof checklist so you can walk through the Midway Nissan showroom doors with total confidence.
The financial world has shifted, and we want you to have the facts before you even look at a window sticker. In early 2026, the Bank of Canada maintained a benchmark rate that keeps average interest rates for new cars around 5.4% to 6.9%* for most buyers.
However, at Midway Nissan, we leverage our relationships with major lenders to offer specialized first-time car buyer programs in Ontario. Here is what you need to know about the current market:
The biggest cause of anxiety is the "back-and-forth" when documents are missing.
When you visit us, bring this exact kit to ensure we can secure your approval as soon as possible, sometimes even the same day!
We believe in "no surprises." Beyond your car loan, you need to budget for the reality of driving in the GTA. In 2026, the average monthly cost of car ownership in Ontario is roughly $1,100 to $1,300***, including all variables.
Here is how those costs break down for a typical Whitby driver:
When you visit Midway Nissan, we won't just talk about the "sticker price." We will sit down and help you calculate car payments that include these real-world costs so you never feel "car poor."
* sourced from - https://wowa.ca/car-loan-interest-rates-canada
** sourced from - https://www.nissan.ca/offers.html (accurate at time of publication)
*** sourced from - https://www.ratehub.ca/blog/what-is-the-total-cost-of-owning-a-car/
**** sourced from - https://rates.ca/insurance-quotes/auto/whitby
***** sourced from - https://www.thinkinsure.ca/insurance-help-centre/car-driving-costs-canada-guide-with-savings-tips.html
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