Car Loan Calculator Quebec (2026)
Estimate the monthly payment on a car loan in Quebec, 14.98% sales tax included. A $35,000 car with $3,000 down over 60 months at 6.49% is about $729 a month.
Monthly payment
$729
Amount financed
$37,243
Cost of borrowing
$6,469
Sales tax (14.98%)
$5,243
Example: $35,000 vehicle, $3,000 down, 60 months at 6.49%, sales tax financed.
Calculate your own car loan
Vehicle Financing
See your monthly payment with tax and down payment included.
6.49% APR
Quick scenarios
1) Vehicle price and down payment
2) Term, rate, and tax setup
Financed amount
$37,243
Tax included: $5,243
Monthly payment
$729
Total interest: $6,469
Total paid over term: $43,712
Monthly car payment by price and term
Quebec, 14.98% sales tax financed, 6.49% rate, no down payment.
| Vehicle price | 36 mo | 48 mo | 60 mo | 72 mo | 84 mo |
|---|---|---|---|---|---|
| $15,000 | $529 | $409 | $337 | $290 | $256 |
| $20,000 | $705 | $545 | $450 | $386 | $341 |
| $25,000 | $881 | $682 | $562 | $483 | $427 |
| $30,000 | $1,057 | $818 | $675 | $580 | $512 |
| $35,000 | $1,233 | $954 | $787 | $676 | $597 |
| $40,000 | $1,409 | $1,090 | $900 | $773 | $683 |
| $50,000 | $1,762 | $1,363 | $1,125 | $966 | $853 |
| $60,000 | $2,114 | $1,636 | $1,350 | $1,159 | $1,024 |
Cost of borrowing by loan term
$35,000 vehicle in Quebec, $3,000 down, 6.49% rate. A longer term lowers the payment but adds interest.
| Term | Monthly payment | Cost of borrowing |
|---|---|---|
| 36 months | $1,141 | $3,843 |
| 48 months | $883 | $5,143 |
| 60 months | $729 | $6,469 |
| 72 months | $626 | $7,820 |
| 84 months | $553 | $9,197 |
How much car can you afford in Quebec?
A common rule keeps the loan payment near 10% of take-home pay, and under 15%, so insurance, fuel and repairs still fit. Car prices assume $3,000 down and 60 months at 6.49%, sales tax included.
| Salary | Car price at 10% | Car price at 15% |
|---|---|---|
| $40,000 | $14,400 | $20,400 |
| $50,000 | $16,900 | $24,100 |
| $60,000 | $19,400 | $27,800 |
| $80,000 | $23,700 | $34,200 |
| $100,000 | $28,300 | $41,200 |
| $120,000 | $32,900 | $48,000 |
Car loan payment in every province and territory
$35,000 vehicle, $3,000 down, 60 months at 6.49%. Only the sales tax changes.
| Province or territory | Sales tax | Monthly payment |
|---|---|---|
| Alberta | 5% | $660 |
| Northwest Territories | 5% | $660 |
| Nunavut | 5% | $660 |
| Yukon | 5% | $660 |
| Saskatchewan | 11% | $701 |
| British Columbia | 12% | $708 |
| Manitoba | 12% | $708 |
| Ontario | 13% | $715 |
| Nova Scotia | 14% | $722 |
| Quebec (this page) | 14.98% | $729 |
| New Brunswick | 15% | $729 |
| Newfoundland and Labrador | 15% | $729 |
| Prince Edward Island | 15% | $729 |
Keep planning
Frequently asked questions
- What is the monthly payment on a $35,000 car in Quebec?
- With 14.98% sales tax and $3,000 down, you finance about $37,243. Over 60 months at 6.49%, the payment is about $729 a month.
- What is the cost of borrowing on a car loan?
- The cost of borrowing is the total interest paid over the loan. Financing $37,243 for 60 months at 6.49% costs about $6,469 in interest; stretching the same loan to 84 months raises it to about $9,197.
- What car loan rate should I plan for in 2026?
- This calculator plans with 6.49% for new vehicles and 8.49% for used vehicles. On the example loan, the used-vehicle rate raises the payment from $729 to $764 a month. Dealer promotions can be lower, and loans for weaker credit much higher.
- How much car can I afford in Quebec?
- On a $60,000 salary in Quebec, take-home pay is about $3,777 a month. Keeping the payment near 10% ($378) points to a car around $19,400; at 15% ($567) it stretches to about $27,800, before insurance and fuel.
- Is sales tax included in a car loan in Quebec?
- Usually, yes: dealers add sales tax to the price and you can finance it. In Quebec, the rate used here is 14.98%, which adds $5,243 to a $35,000 vehicle. Private used-car sales can be taxed differently.
Planning estimate, not a lender quote. Rates are planning assumptions (6.49% new, 8.49% used); your rate depends on credit, lender, vehicle age and promotions. Sales tax is financed with the vehicle; trade-ins, dealer fees, rebates and private-sale tax rules are not included.