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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 Regina. Just like that.

Getting a car loan in Regina doesn’t have to be a hassle. We work with all Regina drivers, regardless of your credit score. Provide us with some basic information (no social insurance number needed), and we’ll match you up with a lender or dealer in your neighbourhood.

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.

Regina 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 Regina car loan questions, answered.

I have bad credit. Can I still get a car loan?

Yes. The lenders and dealers in our network approve car loans for drivers with bad credit.

What taxes do car buyers have to pay in Regina?

Sales tax in Regina is a combination of PST (5%) and GST (5%). Since 2007, used cars in Regina (and all of Saskatchewan) have been exempt from the PST.

I live a little bit outside of Regina — is it still possible to get a car loan through

Yes. Our car loans are available throughout Saskatchewan, and we have an extensive dealer network across the Regina area. If you’re in a suburb like Hawkstone, McNab, or Emerald Park, don’t worry — we’ll still match you up with a dealer. Just complete our online application form to get started.

What do I need to qualify for a car loan?

You must be at least 18 years old, make $1,500 a month, be employed, have a driver’s license, and be a Canadian resident.

How are the interest rates calculated on an auto loan in Regina?

The interest rate on your auto loan will be determined by the dealer or lender with whom you’re matched. In Regina, most lenders and dealers set rates based on factors like your income, credit, and the size of the loan you’re asking for.

How can I keep my monthly payments as low as possible?

Aside from paying less for your car and making sure you get a good interest rate, you can also choose a car loan with a longer term.

Here’s what your monthly payments would look like over different lengths of time if you took out an $8,000 car loan with an interest rate of 8%:

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.

Regina car loan tips

Avoid long car loans

Regina car buyers can save significant money on interest by choosing a shorter car loan.

Buy from a licenced dealer

Licenced car dealers in Regina have to follow a new set of regulations passed by the Saskatchewan government in 2016. The rules protect consumers and make the entire car buying experience smoother and more transparent.

Do your research

Ask for a Saskatchewan Government Insurance VIN report on your vehicle, and read it thoroughly before you buy.

No PST on used cars

Remember, used light vehicles in Regina are exempt from PST — as long as the tax was paid by the previous owner. That means the only sales tax you’ll need to pay is the 5% GST.

Regina car loan facts

  1. Licenced car dealerships in Regina must disclose if a vehicle’s odometer has ever been rolled back or tampered with.
  2. Used vehicles in Regina with less than 200,000 kilometres on the odometer come with a minimum powertrain warranty of either 30 days or 1,000 kilometres.
  3. If a component under the warranty fails, the dealer is permitted to charge the buyer a maximum of $200 to replace the part, including all labour.
  4. If a new vehicle is damaged while in transit to the dealership, that fact must be disclosed prior to sale, under Saskatchewan law.

Regina car loan myths

  1. Drivers who haven’t been in the Canadian workforce for at least 6 months can’t get a car loan. False. You’re eligible for a car loan even if you don’t have a credit history. That’s great news if you just graduated school or are new to the country.
  2. Dealerships can add extra fees to the vehicle’s advertised purchase price. False. When a dealer advertises a price, it must include all fees and levies. This is called the ‘Drive Away Price Rule’, and it has been in force in Regina (and all of Saskatchewan) since February 2016.
  3. There’s no way to know if a used vehicle has been in a rental fleet in Saskatchewan. False. Licensed dealers are required to disclose if the vehicle was a rental prior to sale.
  4. You can’t find out if a vehicle has been in an accident in Regina. False. The Saskatchewan Government Insurance website allows you to look up your vehicle’s VIN. A VIN search will reveal the car’s damage claims history in Saskatchewan since 2002.

Car loan news

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