Chain
I believe most Saturns have a timing chain not a belt, because this was a touted feature of Saturn vs. other makes of car in their marketing blitz.
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The S Series are equipped with timing chains. Hope this helps you
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SOURCE: 1997 saturn sl2 dohc is there a timing belt or chain on it
These engines have a timing chain, not a belt. They also have nylon coated guides under the cover that wear. If you change the chain yourself, or have it done, check the guides as well.
SOURCE: heavy ticking from top of motor on 1998 sl2.
Check your oil first. I guarantee your car burns oil and it may be very low on low. The ticking may be a lifter starved for oil or one that has debris in or on it. The timing chain usually makes a "slapping" sound when it gets slack in it from lack of tensioner adjustment.
A sure fire way to check the timing chain if you are concerned is to take off the valve cover (also a good time to replace the valve cover gasket). Then you can see the chain and feel and see if there is any slack in it.
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