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13% either way. A dealership charges 13% HST on the sale price; a private purchase is taxed at 13% RST on the greater of what you paid or the vehicle's wholesale value, assessed when you register. A low negotiated price on a private sale does not reduce the tax.
Yes. Most lenders serving Ontario finance used vehicles for borrowers with fair or poor credit, and several specialise in it. Expect a higher rate and possibly a larger down payment; the vehicle itself serves as security, which is why approval is often easier than for an unsecured loan of the same size.
