One application. 1 lender from our 50+ network. Funded in 24 to 48 hours.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
In Quebec, search the RDPRM, the Register of Personal and Movable Real Rights, before money moves: a lien follows the vehicle, not the seller. The SAAQ handles registration, the seller must provide a mechanical inspection certificate in defined circumstances, and the transfer must be completed in person at an SAAQ service outlet with both parties present - a requirement unusual in Canada and worth planning around.
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 | 14.975% (9.975% QST + 5% GST) |
|---|---|
| Private | 9.975% QST on the greater of the estimated value or the price paid |
| Note | No GST on private sales. |
| Confidence | VERIFIED-MULTI |
A dealership charges 14.975% (9.975% QST plus 5% GST). A private sale carries no GST, but QST applies at 9.975% on the estimated value of the vehicle or the sale price, whichever is higher, so a below-market private price does not reduce the tax.
Yes, though fewer lenders serve Quebec than other large provinces because of the province's permit requirement and its high-cost credit rules, which oblige lenders to assess your ability to repay. Expect to provide more income documentation than elsewhere; that is the regime working as intended.
