Free tools
B.C. car loan calculator
Your monthly payment with 5% GST and B.C.’s tiered PST worked in, trade-in included.
Affordability calculator
How much car can I afford?
| Term | Max price before tax |
|---|
Includes 5% GST + B.C. PST at the rate for each price. Highlighted: 84 months.
Real prices
What B.C. dealers are actually charging
A calculator assumes a sticker price. Dealers move on price, rate, fees and your trade-in, and the only way to know by how much is to ask more than one of them.
Send one anonymous request and compare blind, all-in bids from licensed B.C. dealers. Your name and number stay with us until you pick one.
Car loans in B.C.: common questions
How much is PST on a car in B.C.?
B.C. charges 7% PST on a passenger vehicle under $55,000 bought from a dealer, plus 5% GST, for 12% in total. The PST rate steps up to 8% from $55,000, 9% from $56,000, 10% from $57,000, 15% from $125,000 and 20% from $150,000, and the higher rate applies to the whole price.
Does a trade-in lower the tax I pay in B.C.?
Yes. When you trade a vehicle in at a dealer, GST and PST are charged on the price after the trade-in value is deducted. That is why a trade-in often saves more than a cash down payment of the same amount.
What is a good car loan rate in B.C.?
Bank and dealer rates move with the Bank of Canada rate and your credit. Buyers with strong credit often see roughly 6–9%, while manufacturer promotions can go as low as 0–3% on specific models. Check this month’s promotions for advertised rates.
How long can I finance a car for?
Most lenders in B.C. offer 24 to 96 months. A longer term lowers the payment but costs more interest and raises the chance of owing more than the car is worth.
Get real B.C. dealer prices. Stay anonymous.
One request, blind bids from licensed B.C. dealers. Your name and number stay with us until you pick one.