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Based on 331 reviews
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
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 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 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
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...

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 Nova Scotia. Just like that.

Great news: bad credit car loans in Nova Scotia are now easy to apply for and easy to get, thanks to our car loan service. The streamlined application process we offer and the huge network of lenders and dealers we’ve made available takes the hassle out of vehicle financing.

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.

Nova Scotia 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 Nova Scotia car loan questions, answered.

Can I get a car loan if I have bad credit or went bankrupt?

Yes. Our network of lenders and dealers specializes in bad credit financing. If you have bad credit or no credit, we’ll still match you with a nearby dealership and help you get approved for a loan.

How much tax do I need to pay on a car purchased in Nova Scotia?

Currently, the sales tax (HST) on vehicles in Nova Scotia is 15%. Nova Scotians pay one of the highest sales taxes in the country.

How is the interest rate on my car loan calculated?

That’s decided by the dealership offering you the loan. Usually, your rate is based on a number of different factors, like your credit, income, employment history, and loan amount.

Should I choose a long car loan term or a short car loan term?

It depends on your household finances and vehicle budget.

With a short car loan, your monthly payments are larger, so you can pay off your loan faster and save money on interest. Some borrowers don’t have the cash flow to handle those big monthly payments, however.

Meanwhile, longer car loans give you more time to pay off your principal balance, which makes for smaller payments that are easier to budget for. Unfortunately, you’ll also end up paying more interest.

Check out our graph below to see what your monthly payments might look like over different lengths of time on an $8,000 car loan at 8% interest.

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

Length of car loanCar loan payment
24 months$362
36 months$251
48 months$195
60 months$162
72 months$140
84 months$125
96 months$113

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.

Nova Scotia car loan tips

Know your budget

Secure your car loan before you start shopping for a vehicle. Then you’ll have a better idea about which cars you can realistically afford. You’ll also be able to negotiate strictly on price once the terms of your loan are set.

Look under the hood

Is the vehicle’s engine bay clean and rust-free? How do the belts, hoses, and wires look? Look for signs of cracking or wear. Checking under the hood is one of the best and quickest ways to determine if a car is mechanically sound.

Understand your total financing costs

Before you sign on the dotted line, carefully consider the interest rate the dealer is offering and how long your loan term is. Remember: you pay more interest on a longer car loan, and your car depreciates in value as the years go by.

Go for a test drive

Always take a car for a test drive before you purchase it. Drive the vehicle at different speeds and on a variety of roads and check the headlights, signal indicators, and windshield wipers to make sure they work.

Nova Scotia car loan facts

  1. Nova Scotians are buying more cars this year. New vehicle sales increased by 2.2% from April 2015 to April 2016.
  2. Nova Scotia allows family members to ‘gift’ vehicles without paying sales tax. The family member designation is quite generous and includes common-law partners, in-laws, siblings, grandchildren, and stepchildren.
  3. Nova Scotians seem to prefer domestic vehicles. According to Statistics Canada, domestic vehicles outsell overseas-made vehicles in the province by a margin of almost 3 to 1.
  4. Nova Scotia has one of the least regulated used car markets in Canada. That makes it all the more necessary to thoroughly inspect a vehicle before buying, whether it’s from a dealership or a private seller.

Nova Scotia car loan myths

  1. You have 1 month to return your used car and get a full refund. False. There’s no return policy on used car purchases in Nova Scotia. The sale is final, which means you need to thoroughly test drive and inspect any vehicle you’re considering buying.
  2. You don’t pay sales tax if you buy a car privately in Nova Scotia. False. While you won’t pay the harmonized sales tax (HST), private sales are subject to Nova Scotia sales tax (NSST). The NSST is 15%.
  3. Nova Scotia used car sales are regulated by a powerful organization similar to the Ontario Motor Vehicle Industry Council. False. Unfortunately, Nova Scotia used car buyers do not enjoy many of the protections taken for granted in a jurisdiction like Ontario. Nova Scotia does not have a strong auto sales regulator, which means dealers are not bound by a code of conduct or mandatory disclosure rules.

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