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An exemption for cheap private sales. A used vehicle bought privately for $5,000 or less pays no PST, as long as its Red Book value is also $5,000 or less. Above that, the motor licence issuer charges PST on the greater of the bill-of-sale price and the Red Book average retail price when you register the car.
| Buying in Saskatchewan | Tax |
|---|---|
| From a dealer | 6% PST plus 5% GST |
| Privately, $5,000 or less and Red Book value $5,000 or less | No PST |
| Privately, above $5,000 | 6% PST on the greater of the price and the Red Book value |
11%. Saskatchewan's PST is 6%, and a dealer adds the 5% GST. A private seller charges no GST.
On FCAA411. Every dealer must hold a valid licence to sell or lease vehicles, and every licensed dealer is listed on FCAA411. A private seller is neither licensed nor listed, so run the lien search yourself.
Three in our network, from $5,000 to $200,000. Rates start at 6.93% and run up to the 35% federal cap. All three pay out within two days. Two consider poor credit, and one sets no minimum score. Income minimums run from $1,500 to $2,500 a month. Our application reaches all three at once. Saskatoon buyers use the same three lenders.
Every car lender we work with is on the car loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 6 October 2026. Lender terms checked August 2026.
Not if you paid $5,000 or less and the car's Red Book value is also $5,000 or less.
11%, which is 6% PST plus 5% GST.
On the greater of the bill-of-sale price and the Red Book average retail price, charged when you register the car.
Look it up on FCAA411. Every licensed Saskatchewan dealer is listed there.
Three lenders in our network do, from $5,000 to $200,000, and all three pay out within two days.
