Bad credit car loans in Manitoba
Winnipeg, Brandon, Steinbach and across Manitoba: if a bank said no, we'll work with our lenders to find you a yes, then deliver the vehicle at no charge.
Free delivery
We deliver free anywhere in Manitoba. No trip to the dealership required.
Sales tax in Manitoba
A dealer vehicle purchase in Manitoba pays 5% GST plus 7% Retail Sales Tax (RST).
Example: a $20,000 vehicle pays about $2,400 in tax (12%). Your exact amount appears on your bill of sale.
Insurance & registration
Basic Autopac insurance comes from Manitoba Public Insurance (MPI) through any Autopac agent.
Registration and plates are issued by your Autopac agent along with your insurance.
Who we help in Manitoba
- Bad credit or low credit scores
- No credit history yet
- New to Canada
- Past bankruptcy or consumer proposal
- Self-employed or gig income
- Divorce or a fresh start
What to have ready
- Valid driver's licence
- Recent proof of income (pay stubs or bank statements)
- Proof of address, such as a utility bill
- Insurance arranged before you drive
Not sure what fits your budget? Try the payment calculator using Manitoba's 12% tax, or shop by monthly payment.
How it works
- 01
Take the 60-second credit quiz online from anywhere in Manitoba.
- 02
We work with our lenders to find your best approval and help you choose a vehicle.
- 03
We deliver it to your door in Manitoba, free.