Car Loan Calculator Canada
Calculate car loan payments in Canada with provincial taxes (GST/HST/PST), Canadian lenders, and CAD currency. Our comprehensive calculator includes Canadian-specific features like winter tires, rust-proofing, and provincial requirements.
- Canadian Car Loan Calculator: Calculate payments with provincial taxes
- Canadian Auto Financing: Lenders and programs
- Provincial Requirements: Taxes and regulations by province
Car Loan Calculator Canada
Enter your vehicle details and Canadian location to calculate car loan payments with accurate provincial taxes and Canadian-specific costs.
Canadian Auto Financing
Big Six Banks
- Royal Bank of Canada (RBC): Comprehensive auto financing with competitive rates
- Toronto-Dominion Bank (TD): TD Auto Finance with flexible terms
- Bank of Nova Scotia (Scotiabank): Scotia Auto Loans with relationship discounts
- Bank of Montreal (BMO): BMO Auto Loans with graduate programs
- Canadian Imperial Bank of Commerce (CIBC): CIBC Auto Loans with member benefits
- National Bank of Canada: National Bank Auto Financing
Credit Unions
- Provincial Credit Unions: Local focus with competitive rates
- Member Benefits: Lower rates and personalized service
- Community Focus: Understanding of local market conditions
- Flexible Underwriting: More flexible qualification criteria
Captive Finance Companies
- Toyota Credit Canada: Toyota and Lexus financing
- Honda Canada Finance: Honda and Acura financing
- Ford Credit Canada: Ford and Lincoln financing
- GM Financial Canada: General Motors financing
Provincial Requirements
Tax Structures by Province
- Alberta: GST 5% only (no provincial sales tax)
- British Columbia: GST 5% + PST 7% = 12% total
- Manitoba: GST 5% + PST 7% = 12% total
- New Brunswick: HST 15%
- Newfoundland and Labrador: HST 15%
- Nova Scotia: HST 15%
- Ontario: HST 13%
- Prince Edward Island: HST 15%
- Quebec: GST 5% + QST 9.975% = 14.975% total
- Saskatchewan: GST 5% + PST 6% = 11% total
- Territories: GST 5% only
Provincial Specific Requirements
- Ontario: Safety Standards Certificate, UVIP, Drive Clean (older vehicles)
- Quebec: SAAQ registration, mandatory winter tires (Dec 1 - Mar 15)
- British Columbia: AirCare emissions test (some areas), ICBC insurance
- Alberta: Registry agent system, no provincial sales tax
- Maritime Provinces: Motor vehicle inspection required
Canadian-Specific Considerations
- Winter Tires: Mandatory in Quebec, recommended elsewhere
- Block Heaters: Essential in cold climates
- Rust-Proofing: Important in salt-heavy provinces
- Bilingual Services: Available in Quebec and New Brunswick
- Newcomer Programs: Special financing for new Canadians
- Graduate Programs: Discounts for recent graduates
Insurance Considerations
- Provincial Insurance: ICBC (BC), MPI (MB), SGI (SK)
- Private Insurance: Available in most provinces
- Winter Driving: Higher premiums in harsh climate areas
- Multi-Vehicle: Discounts for multiple vehicles