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The tax follows you to a private sale. Ontario charges 13% either way: HST at a dealer, or retail sales tax on a private purchase. On a private sale, the tax is charged at registration on the greater of the price and the Red Book wholesale value. A low price on the bill of sale does not lower it.
A private seller must hand you a Used Vehicle Information Package, with the registration history and any liens.
Two checks. Every dealer must be registered with OMVIC. On a private sale, search Ontario's Personal Property Security Registration system before money changes hands, because a lien follows the car, not the seller.
Five in our network, from $5,000 to $200,000. Rates start at 6.93% and run up to the 35% federal cap. All five pay out within two days. Three consider poor credit, one wants a fair score, and one sets no minimum. Income minimums run from $1,500 to $2,500 a month. Our application reaches all five at once.
A higher rate, never above 35%. The federal cap applies to every consumer loan, and no lender listed goes above it. On an older car bought privately, the UVIP and the lien search matter more than the rate.
Every car lender we work with is on the car loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 4 October 2026. Lender terms checked August 2026.
Yes. Ontario charges 13% retail sales tax at registration, on the greater of the price and the Red Book wholesale value.
It is the Used Vehicle Information Package a private seller must give you, showing the registration history and any liens.
OMVIC does. Every dealer in Ontario must be registered with it.
Five lenders in our network do, from $5,000 to $200,000, and all five pay out within two days.
Yes. Three of the five lenders consider poor credit, and one sets no minimum score.
