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What our users say:

Based on 322 reviews
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 20
Imad Harrouk helped us with getting a…
Imad Harrouk helped us with getting a car insurance quote. He was very friendly ...
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 17
Highly Recommended !
I spoke with Mr. Imad Harrouk of DirectRate for quotes on my car and condo insur...
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 13
Amazing service
Amazing service, Sonia is patient and helpful. Can not complain. I am happy with...
Miroslav Adalbert Elias
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
simple, quick and easy
tony palumbo

How it works. Hint: It's free!

  1. Enter your information.
  2. Get matched with a dealership and get approved for a loan.
  3. Choose a vehicle from the dealership offering you a loan.

Get approved for a car loan in Manitoba. Just like that.

Let’s face it — in a province as big as Manitoba, owning a car makes life easier. And now, with’s car loan service, getting a car loan is easy too, even if you have bad credit. Applying only takes a few minutes and almost everyone gets approved. Then you can shop for your new wheels. Just like that.

We can help you even if you have:

  • Bad credit.
  • No credit.
  • Good credit.
  • Late payments.
  • Repossession.
  • Collections.
  • A bankruptcy.
  • A divorce.
  • New Canadian status.

Manitoba car loans made easy.

We’re proud of the car loan service we offer. Here’s why applying for a car loan online through is the better way.

Your Manitoba car loan questions, answered.

Can I get a car loan even if my credit is bad?

Yes. Despite what some banks might tell you, bad credit doesn’t mean you can’t get financing. In fact, our car loan service specializes in auto loans for Canadians with bad credit. So even if a bankruptcy, divorce, or other financial setbacks previously damaged your credit, we can help you get financing for your car.

What do I need to qualify for a car loan in Manitoba?

A minimum income of $1,500/month, Canadian residency, and a valid driver’s license. Just meet those basic requirements, and we’ll match you with a dealer.

I don’t live in a big city like Winnipeg or Brandon. Can you still match me with a dealer?

Of course. One of the great things about our car loan service is that we work with an expansive network of licensed Manitoba dealerships. So don’t worry — matching you with a nearby dealer is what we do.

Can I get a car loan if I’m a new driver?

Yes. As long as you’re licensed and meet our other car loan requirements, we can help you get a loan.

How are my car loan payments calculated?

Your payments will be based on a couple of different factors, including your loan amount, interest rate, and the length of your car loan. When you’re matched with a dealer, ask for more details. Don’t be afraid to negotiate on the interest rate.

What’s the sales tax on a vehicle purchased in Manitoba?

When you buy a new or used vehicle from a licensed car dealership in Manitoba, you have to pay 5% GST and 8% RST (Retail Sales Tax).

How does the length of my car loan affect my monthly payments?

Longer car loans break your principal balance up into a greater number of smaller, more manageable payments. A shorter car loan does the opposite.

For example, a 6-year car loan splits your balance (ex. $12,000) into 72 monthly payments of $210 — refer to our graph below. But a shorter loan, of, say 2-years, splits your balance into 24 payments of $543.

The longer loan seems like the more attractive offer, but there’s one more factor to consider: the interest charges. At the end of that 6-year car loan term (72 months), you will have paid $15,120 with the interest included. At the end of a 2-year term (24 months), you’ll have only paid $13,032 — that’s a pretty big difference.

Monthly payments on a $12,000 car loan (at 8% interest)

Length of car loanCar loan payment
24 months$543
36 months$376
48 months$293
60 months$243
72 months$210
84 months$187
96 months$170

About our auto loan network.

  • It's nationwide, servicing all provinces.
  • It's a free, fully secure, no obligation loan service.
  • It provides car loans that range from $5,000 – $40,000.
  • It offers market competitive interest rates, speedy approvals, and affordable payments.
  • It boasts a 100% acceptance rate, even if you have no credit or bad credit.

Manitoba car loan tips

Choose a shorter car loan

You'll have to make bigger payments right away, but you could save thousands of dollars in interest over the life of your loan. You'll also pay off your car loan debt in less time.

Buy from a licensed Manitoba dealer

Licensed dealers are required by law to share important details about the car’s condition, history, and warranty. They’re also required to follow strict regulations under the Manitoba Consumer Protection Act. In other words, you’re protected when you buy from a licensed dealer.

Ask for the car’s history

Use the vehicle identification number (VIN) to get a history of the used car. If it was ever rebuilt, stolen, or significantly damaged in an accident, the report will have the details.

Check Manitoba’s “Most-at-Risk” list

Manitoba Public Insurance (MPI) classifies certain vehicles as “Most-at-Risk”. Cars with this designation are considered at least two times more susceptible to theft than the average vehicle. If the car you want to buy is on the Most-at-Risk list, it’s required to have an immobilizer. Immobilizers prevent your car from starting unless the driver has an accompanying transponder (usually fastened to a keychain).

Manitoba car loan facts

  1. The growing popularity of longer car loans is keeping a lid on monthly payments — even as car prices increase. The Financial Consumer Agency of Canada reports that between 2010 and early 2015, the average monthly car loan payment rose by only 3.8%.
  2. Manitoba’s auto market is on a hot streak. Over 50,000 new vehicles were sold each year from 2012 to 2015.
  3. Manitoba has a workforce of drivers. According to Stats Canada, 72% of Manitoba’s commuters drive to work instead of taking public transit or other modes of transportation.
  4. The Consumer Protection Office means business when it comes to transparent pricing. Under Manitoba’s Consumer Protection Act, the Office can fine car dealerships just for listing the finance price before the cash price in an ad.
  5. Power to the consumer: by law, licensed dealers have to dish the details on a car — including whether it’s ever been written off or damaged — before you buy it.

Manitoba car loan myths

  1. I can’t get a car loan if I’m new to Canada and don’t have any credit history. False. If you’re a Canadian resident, you’re definitely eligible for a car loan. We can work with the no-credit-history issue too. In fact, that’s not an issue for us. The dealers we work with actually specialize in no-credit car loans.
  2. I can use my car loan at any Manitoba dealership. False. You can only use your auto loan to purchase a car from the dealer we matched you with. After all, it’s the dealer that gives you the loan.
  3. If the “Most-at-Risk” car I bought doesn’t already have an immobilizer, it doesn’t need one. False. Even if it wasn’t sold with one, your car will need an immobilizer. Dealers can sell Most-at-Risk vehicles without immobilizers as long as they tell you the car requires one. You’ll have to buy and install an approved immobilizer before you can legally drive your new car in Manitoba.
  4. Buying a used car doesn’t affect the interest rate on my loan. False. It can. Some dealers may offer lower interest rates on new cars than on used cars. Here are some reasons why:
    • Used car shoppers often have lower credit scores, so the risk of default is higher.
    • In case you do default, the resale value for a used car will likely be lower than the resale value on a new car.

Car loan news

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