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In New Brunswick, search the Personal Property Registry before money moves: a lien follows the vehicle, not the seller. A safety inspection is required and is valid for one year.
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 | 15% HST |
|---|---|
| Private | 15% provincial vehicle tax |
| Confidence | VERIFIED-MULTI |
15% either way: HST at a dealership, or the provincial vehicle tax at 15% when you register a private purchase. The tax is payable at registration, not to the seller, so budget for it separately from the purchase price.
