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At the dealer, or at the SAAQ. From a dealer you pay 9.975% QST plus the 5% GST. From a private seller, the GST does not apply, and you pay the QST to the SAAQ when the registration is transferred. It is calculated on the higher of the vehicle's estimated value and the sale price, so a low number on the bill of sale does not lower it.
Anyone who trades in road vehicles. A dealer must hold a permit from the Office de la protection du consommateur. An individual selling their own car needs none, so on a private sale the history report and the lien search are yours to run.
Dealerhop, the one lender in our network that serves the province, from $5,000 to $75,000. Rates start at 6.99% and run up to the 35% federal cap. It pays out within two days and considers poor credit. The income minimum is $2,500 a month. Our application reaches it directly, and every lender that opens Quebec later.
Lenders in Quebec other than banks, caisses and trust companies also need a money-lender permit from the Office, online lenders included.
22 points over the Bank Rate. With the Bank Rate at 2.5%, the line is 24.5%. A car loan priced above it is high-cost credit. The lender must assess your capacity to repay before signing. You can cancel within 10 days of receiving your copy of the contract, at no cost.
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.
A dealer charges 9.975% QST plus 5% GST. A private sale carries the QST alone, paid to the SAAQ.
Only if the price is the higher figure. The QST is calculated on the higher of the estimated value and the sale price.
Yes. Anyone who trades in road vehicles needs a permit from the Office de la protection du consommateur.
One lender in our network does, from $5,000 to $75,000, and it pays out within two days.
Yes. On a loan priced above Quebec's high-cost line, you can cancel within 10 days of receiving your copy of the contract, at no cost.
