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The tax is 15% either way. From a dealer you pay 15% HST. From a private seller you pay the Provincial Vehicle Tax at 15%. It does not apply to a vehicle bought from a GST/HST registrant, because the dealer has already charged HST.
| Buying in New Brunswick | Tax |
|---|---|
| From a dealer | 15% HST |
| From a private seller | 15% Provincial Vehicle Tax, at Service New Brunswick |
On the higher of two numbers. Service New Brunswick charges the tax on the greater of the bill-of-sale price and the car's Canadian Red Book average wholesale value. A low number on the bill of sale does not lower it. Bring the bill of sale when you register.
Dealer paperwork. A private seller offers no dealer warranty and no dealer paperwork, so the history report and the lien search are yours to run. A lien follows the car, not the seller.
Four in our network, from $7,500 to $200,000. Rates start at 6.93%, and all four pay out within two days. Two consider poor credit, one wants a fair score, and one sets no minimum. Income minimums run from $1,500 to $2,000 a month. Our application reaches all four at once.
Every car lender we work with is on the car loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 6 October 2026. Lender terms checked August 2026.
15% either way. A dealer charges 15% HST, and a private sale carries the 15% Provincial Vehicle Tax.
At Service New Brunswick, when you register the car.
Only if the price is at least the Red Book average wholesale value. Otherwise the tax is charged on the Red Book value.
Four lenders in our network do, from $7,500 to $200,000, and all four pay out within two days.
Yes. Two of the four lenders consider poor credit, and one sets no minimum score.
