Used Car Financing | Used Car Loans Saskatoon Saskatchewan

Find your dream ride

Just complete the form and let our seasoned experts locate a vehicle that perfectly aligns with YOUR preferences and lifestyle!

Apply online for pre-approval

You've chosen the perfect vehicle! You can get pre-approved from the comfort of your own home without ever having to leave your house!

Is your credit score low or new?

Our team works with numerous lenders to find the automotive financing you need. We will do everything we can to get you into the vehicle you want!

Payment options

As soon as your application has been approved, we will work with you to choose the best payment and repayment term that suits your needs and budget.

No Credit To Established Credit

When you purchase a new vehicle, the financing institutions use the vehicle's value as collateral, which helps you get on the road and driving right away.

Refinance

In most cases, Orange can refinance your car loan if you think you're paying too much on it currently

Low Credit

We work with a variety of lenders to accommodate almost every credit history. To put it simply, we work with you and the lenders to get the loan approved. Our goal is to help you when mistakes happen.

Bringing these items will be helpful:

Driving license issued by the government
Your most recent pay stub (or prior year's T4 if you are self-employed)
Your bank's direct withdrawal form or a void check

Additional information may be required based on the specifics of your purchase.

Car loan approval is determined by four main factors:

Cost, age, and mileage of the vehicle you're buying
Income, residence, and employment history of the client
Your credit score, debts, and payment history are all part of your account credit history.
Additional information may be required based on the specifics of your purchase.

To get the best approval and the lowest payments, choose a vehicle that fits your budget. Make your down payment as large as possible. Your monthly payment depends on three factors once you've been approved for a car loan:

The amount financed
Contract length or term
APR (Annual Percentage Rate)

Almost every budget and credit profile can be met by our competitive rates from a variety of financial institutions.

Vehicle payments should not exceed 15% of your gross monthly income, according to most financial companies. Suppose you make $4,000 a month; if your monthly vehicle payment is $600, that's 15% of your income.

When it comes to purchasing a vehicle, financial institutions use your credit score to predict the risk involved. Your ability to pay your bills efficiently tells the financing companies whether or not you are a good borrower.

There is a range of 350 to 850 when it comes to your credit score. In most cases, the higher the score, you’re more likely you are to get approved for a vehicle loan. The systems that generate your credit score (Equifax and TransUnion) look at your credit report and take various factors into account, this includes:

If and when you pay your bills on time.
Total debt service ratio
The amount of credit and age of your current credit outstanding
Your current bankruptcy status, outstanding liens, and judgments

There are a large number of open-ended car loans in Canada. Which simply menas that your lender will not charge you penalties if you repay your loan early.

The answer is yes, you can get a car loan. Self-employed individuals can take advantage of the special programs offered by all of our partners, right from the start.

Canadians with less than perfect credit make up over 50% of our approvals. We can pre-approve you for auto loans with bad credit in just a few minutes!

We offer transparent transactions and highly competitive terms through our car loan Dealer Partners network for our clients with excellent credit score!

In order to lend you money, a lender will charge you an interest rate. You can expect interest rates in Canada to range anywhere from 0% to 29.99% depending on your credit score. Lenders will charge higher interest rates if they believe the loan poses a higher risk. Maintaining a strong credit profile will help you avoid this.

You can do that! Your loan must be reapproved at a lower interest rate. Your existing lien would then be fully paid off by a new lender at a new rate. Once that is complete, you will be able to apply for a new loan. A negative equity roll-in on your original loan may require you to put money down if your loan is over book value.

You can obtain information about your credit history from the major credit-reporting agencies. They both can provide you with a copy of your credit report, which includes your credit score. For more information, please visit their website or call toll-free: Equifax Website: www.equifax.ca Toll-free number: (800) 465-7166 TransUnion Website: www.transunion.ca Toll-free number: (800) 663-9980

We offer online car financing. Apply for a credit card using one of our easy-to-use forms. For more information about online car loans, apply now, chat with us or call us at 306-881-9005.

Get Pre-Approved Today!