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In Manitoba, search the Personal Property Registry before money moves: a lien follows the vehicle, not the seller. Manitoba Public Insurance is the sole basic insurer and also handles registration, so insurance and registration happen together.
Pre-approval before the dealership changes the negotiation from a payment to a price. Dealer financing can carry a rate marked up above what the lender approved, so an approval in hand is a benchmark, not a formality. Term length is the largest cost variable: long terms lower the payment, raise the total, and extend the period where the loan exceeds the vehicle's value.
| Dealer | 12% (7% RST + 5% GST) |
|---|---|
| Private | 7% RST |
| Note | RST on private sales is assessed on the greater of the price paid or appraised value. |
| Confidence | VERIFIED-MULTI |
7% RST on a private sale, assessed on the greater of the price paid or the appraised value, and 12% at a dealership (7% RST plus 5% GST). Because the province can assess the tax on book value, a bargain private purchase does not automatically mean a small tax bill.
