Know your payment before you visit
Estimate your payment with Manitoba taxes included, then get pre-qualified in about 2 minutes. No credit check, and the dealer’s finance team gets your request before you arrive.
- No credit checkPre-qualifying does not touch your credit score. No SIN, no date of birth.
- Every situation welcomeRebuilding credit, new to Canada or self-employed: tell us where you stand.
- About 2 minutesA few quick questions, free and with no obligation to buy.
Estimate your payment
*Estimates only, not a financing offer. Example rates by credit score for used vehicles; the lender sets your actual rate and terms after reviewing your application. Licensing, registration and dealer fees are not included.
How it works
You stay in control at every step, and nothing touches your credit until you say so.
- Get pre-qualifiedAnswer a few questions about your budget, credit and income. It takes about 2 minutes and there is no credit check.
- We line up your optionsWe look at vehicles that fit your budget and share your request with the dealer’s finance team, so they are ready for you.
- Visit and driveThe dealer confirms your financing options, you test drive the vehicle, and the dealer completes the paperwork.
Financing questions
Does getting pre-qualified affect my credit score?
No. We do not check your credit and we do not ask for your Social Insurance Number or date of birth. If you decide to move forward, the dealer’s lender asks for your permission before any credit check.
Who provides the financing?
The dealer and its lending partners, such as banks and auto finance companies. Winnipeg AutoMatch is not a lender: we pass your request to the dealer’s finance team so they can look at your options before you visit.
Can I get a car loan with bad credit or no credit history?
Often, yes. Many Winnipeg dealers work with lenders that specialize in rebuilding credit, newcomers to Canada and past consumer proposals. Approval and rates always depend on the lender, so we cannot promise a result, but an honest request is the fastest way to know.
Are the rates on this page real offers?
No. They are example rates for used vehicles by credit score, so you can compare payments. Your actual rate depends on your credit, income, the vehicle and the lender.
How are taxes calculated?
A dealer sale in Manitoba adds 5% GST and 7% PST. The estimator applies 12% to the price minus your trade-in. Licensing, registration and dealer fees are extra.
Monthly or bi-weekly payments?
Many lenders in Canada offer both. A bi-weekly payment is the monthly payment times 12, divided by 26, so it lines up with a bi-weekly paycheque.
What should I bring to the dealership?
Usually your driver’s licence, a recent pay stub or other proof of income, and proof of address. The dealer confirms exactly what the lender needs before your visit.