The filter is on the drivers side,in front of tranny. You may have access it from the bottom side. If this is an older Saturn, it is likely a red-colored filter that looks much like an oil filter.
For many vehicles, it's behind the trans oil pan.
Some vehicles have it behind a side cover.
Some just haven't got one.
Are you driving a 2005 Acura TL or an old Desoto? What color is it? Is it a stick?
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