Financed by us. Not by a bank.
You pay the price on the window and Manitoba sales tax. There is no interest, and there is no lender in between.
On every vehicle we finance
Most dealers arrange your loan through a third-party lender and earn on the spread. We do not. Your agreement is with Autospektr directly, which is why we can charge nothing to carry it.
The total you pay is the vehicle price plus GST and PST. No finance charge, no interest, no cost of borrowing — the amount on your agreement is the amount you pay.
The terms, in full
Everything that determines what you pay is on this page. There is nothing else to disclose.
Interest rate
0.00%No finance charge of any kind
Down payment
From 60%Of the vehicle price, paid up front
Term
1 to 6 monthsYou choose the length
Payments
Weekly, bi-weekly or monthlyWhichever matches your pay cycle
Sales tax
GST 5% + PST 7%Standard Manitoba rate, added to the price
Financed by
AutospektrNo bank, no broker, no third-party lender
Autospektr Ltd. holds Manitoba Dealer Permit #5997. The vehicles we sell and the financing described on this page are offered under that permit.
#5997
Manitoba Dealer Permit
Our financing is short-term and interest-free, which only works because most of the vehicle is paid up front. If you are looking to drive away with a few hundred dollars down and pay it off over several years, this is not the right product for you — and we would rather tell you that here than after a credit application.
What it looks like on a $10,000 vehicle
At our longest term and our lowest down payment.
Vehicle price
$10,000.00Tax (GST 5% + PST 7%)
+ $1,200.00Down payment (60%)
− $6,000.00Financed over 6 months
$5,200.00Interest paid
$0.00The same $11,200.00 whether you take one month or six. Time costs you nothing here.
$866.67
/moMonthly — 6 payments
$433.33
/bi-wkBi-weekly — 12 payments
$216.67
/wkWeekly — 24 payments
How it works
1
Pick a vehicleEvery vehicle on our lot shows its own payment breakdown. Change the down payment, term and frequency on the listing and the numbers move with you.
2
Choose how you payPut down 60% or more, take one to six months, and pay weekly, bi-weekly or monthly. Pick the combination that matches how you actually get paid.
3
Sign with usThe agreement is between you and Autospektr. There is no lender to apply to and no third party pricing your risk.
4
Pay it downYour balance drops by exactly what you pay. Clear it early if you want — finishing ahead of schedule costs nothing, because there was never any interest to save.
Open any listing to work out your own payment before you call.