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A dealership purchase carries 11% (6% PST plus 5% GST). Private used vehicle purchases for personal or farm use may be exempt from the 6% PST depending on the current threshold, which is worth confirming with the province before you budget.
Yes. Most lenders serving Saskatchewan finance used vehicles for borrowers with fair or poor credit, and several specialise in it. Expect a higher rate and possibly a larger down payment; the vehicle itself serves as security, which is why approval is often easier than for an unsecured loan of the same size.
