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What our users say:

Excellent
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...
Chris
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
dl
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
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...
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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 Saskatchewan. Just like that.

Getting a car loan in Saskatchewan doesn't have to be difficult. We work with all Saskatchewan 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 area.

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.

Saskatchewan car loans made easy.

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

Your Saskatchewan car loan questions, answered.

What taxes do car buyers have to pay in Saskatchewan?

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

I don't live in a big city like Regina or Saskatoon. Is it still possible to get a car loan through LowestRates.ca?

Yes. LowestRates.ca has an extensive dealer network across Saskatchewan. So if you’re looking for a car loan in Regina or in a small town like Swift Current or Port Albert, don't worry — we can match you up with a dealer. Just complete an application and you'll be contacted within 48 hours.

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 Saskatchewan?

The interest rate on your auto loan will be determined by the dealer or lender with whom you're matched. 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 opt for a car loan with a longer term.

Longer car loans are becoming more and more popular in Canada: J.D. Power and Associates compiled figures that show the average length of a loan for a new vehicle was 74 months in 2015. The downside of longer-term car loans is that you'll pay more interest.

Here's what your monthly payments would look like over different lengths of time if you took out a $12,000 car loan with an interest rate of 8%:

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.

Saskatchewan car loan tips

Buy from a licensed dealer

Licenced Saskatchewan car dealers have to follow a variety of provincial regulations aimed at protecting buyers and ensuring a fair and transparent sales process.

Choose a shorter loan

If you have the financial means, choosing a shorter car loan will save you money on interest, even though your payments will be larger.

No PST on used cars

Used light vehicles in Saskatchewan are tax exempt from PST — as long as the tax has been paid by the previous buyer.

Do your research

The Saskatchewan Financial and Consumer Affairs Authority provides useful information on financing and purchasing a used vehicle.

Saskatchewan car loan facts

  1. Licensed car dealerships in Saskatchewan must advertise ‘Drive-Away Pricing’, including all fees and processing costs. Sales tax is extra.
  2. Used vehicles in Saskatchewan sold with less than 200,000 kilometres on the odometer must have 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. Dealerships must provide potential buyers with key details about the vehicles they sell. That includes a vehicle history report and any previous use as a rental, lease, taxi, or limo.

Saskatchewan car loan myths

  1. Dealerships can sell used cars in any condition. False. All vehicles sold through licensed dealers must conform to the equipment requirements and maintenance standards set out in Saskatchewan's Vehicle Equipment Regulations.
  2. Low mileage on a used car is always a good thing. False. Low mileage could mean the vehicle is not reliable, or it could be a sign of odometer tampering. Vehicles typically accumulate between 16,000 and 20,000 km per year, according to Transport Canada.
  3. Dissatisfied buyers can return a used vehicle to the dealership for up to 60 days. False. All vehicle sales from licensed dealerships are final in Saskatchewan unless certain conditions of the sale are not met by the dealer.
  4. There’s no way to find out if a vehicle has been in an accident in Saskatchewan. 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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