Quebec Auto Finance & QST Canadian Auto Finance Reference

Quebec Car Loan Tax Calculator

Estimate your car loan payments in Quebec with combined GST and QST taxes. In Quebec, vehicle sales are subject to 5% federal GST and 9.975% provincial QST (total 14.975%). This prefilled tool calculates your exact tax obligations and periodic payment options.

Illustrative Model: Calculations reflect the combined 14.975% Quebec tax rate (5% GST + 9.975% QST) and an illustrative 6.50% APR. Exact borrowing terms depend on credit criteria.
5% GST + 9.975% QST 14.975% Combined
Target Term 60 Months
Standard Rule SAAQ Guidelines
Currency CAD ($)

Car Loan Parameters

%
0% 100%

Payment Summary

Vehicle Base Price
Sales Tax ():
Total Principal Financed:
Total Interest Payable:
Total Cost of Ownership:
Sales taxes are automatically factored into the total financed balance over your selected year tenure.

Breakdown Structure

Principal vs Tax vs Interest

Live Split
Principal
Sales Tax
Interest

Principal + Tax + Interest =

Payment Scoreboard

Payment Growth Curve

Cumulative outlay over 5 years

Trend Projection
Total Paid
Principal + Tax

Selected Year

Total = Principal + Interest

Total Paid

Principal

Interest

+ =

Quebec Car Loan Payment & Tax Matrix (6.5% APR Example)

Benchmark amortization matrix and periodic payment comparisons calculated using standard Canadian financing schedules.

Vehicle Price GST+QST (14.975%) 10% Down Amount Financed 48 Mo Payment 60 Mo Payment 72 Mo Payment
$25,000 $3,744 $2,500 $26,694 $633 / mo $523 / mo $449 / mo
$35,000 $5,241 $3,500 $37,191 $882 / mo $728 / mo $625 / mo
$45,000 $6,739 $4,500 $47,689 $1,131 / mo $934 / mo $802 / mo
$55,000 $8,236 $5,500 $58,186 $1,380 / mo $1,139 / mo $979 / mo
$65,000 $9,734 $6,500 $68,684 $1,629 / mo $1,345 / mo $1,155 / mo

Financing Guide & In-Depth Cost Analysis

Essential Canadian financial insights and regulatory context.

Understanding Quebec Dual Sales Tax on Vehicles

Quebec applies two separate taxes on vehicle purchases: the 5% federal Goods and Services Tax (GST) and the 9.975% Quebec Sales Tax (QST). Together, they total 14.975%. Unlike historical rules, QST is now calculated directly on the selling price, not on top of the GST.

Trade-In Tax Rules in Quebec

When purchasing from a dealership in Quebec, trading in an eligible vehicle reduces the taxable base for both GST and QST. For instance, on a $30,000 vehicle with a $10,000 trade-in, taxes apply solely to the remaining $20,000 balance.

Frequently Asked Questions

Common questions about vehicle financing and provincial sales taxes.

In Quebec, dealership vehicle purchases are subject to 5% federal GST (TPS) and 9.975% Quebec sales tax (TVQ), resulting in an effective combined tax rate of 14.975% on the vehicle sale price.
When trading in a vehicle at a registered Quebec dealership, both TPS and TVQ are calculated only on the net difference between the purchase price and trade-in value, saving 14.975% on the trade value.
SAAQ vehicle registration and license plate fees are paid upon vehicle transfer. Dealerships can often roll standard SAAQ registration and administrative fees into your financed loan amount.
Car loan interest rates in Quebec vary based on credit score, vehicle age, and term length. Prime bank rates typically range from 5.99% to 8.99% APR, while dealer subvented new vehicle promotional rates may be lower.
Yes. Auto lenders in Quebec routinely capitalize the combined 14.975% sales taxes directly into the total financed balance, spreading the tax cost across monthly or bi-weekly payments.

Related Calculators & Provincial Tools

Explore our complete suite of Canadian vehicle financing calculators.

Universal Tool Car Loan Calculator with Taxes & Fees Compare all 13 Canadian provinces and territories. Province Ontario Car Loan Tax Calculator 13% HST and OMVIC price disclosure. Loan Term 60-Month Car Loan Calculator 5-year Canadian auto financing benchmark.

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Disclaimer: Calculations on this page are provided for illustrative and educational purposes only. CandCalc is not a lender and does not guarantee loan terms, interest rates, or credit approval.