Car loan calculator
Estimate your monthly payments in seconds. Quebec taxes included, adjustable interest rate and term from 24 to 84 months.
Financing options from 24 to 84 months.
Estimated monthly payment
596,53 $
per month, 60 months
These calculations are estimates for informational purposes only. The actual rate, terms and approved amount depend on your credit file and the lender. Quebec taxes of 14.975% included. No application refused — apply for your approval.
Car loan calculator in Quebec
Our car loan calculator lets you estimate your monthly payments accounting for Quebec sales taxes (QST 9.975% and GST 5%, for a total of 14.975%), down payment, interest rate and financing term. Whether you have good credit or are looking for a 2nd or 3rd chance credit, this tool gives you a clear idea of your budget before submitting your application.
Prêt Auto Expert supports residents of the greater Québec area in obtaining car financing adapted to their reality. With over 500 vehicles in stock and a network of specialized lenders, we find a solution for every file — 95% approval.
What influences your payment
Four elements determine your monthly payment amount.
Vehicle price
The higher the price, the higher the amount to finance. Choosing a vehicle within your budget is the first step.
Down payment
A larger down payment reduces the financed amount and therefore your monthly payments, while improving your approval chances.
Interest rate
The rate depends on your credit file. Specialized 2nd chance lenders offer rates adapted to your situation.
Financing term
A longer term (up to 84 months) lowers the monthly payment but increases the total interest paid.
Frequently asked questions
Does the calculator include Quebec taxes?
Yes. The tool automatically adds QST (9.975%) and GST (5%), for a total of 14.975%, to the vehicle price before calculating the amount to finance.
Is the displayed interest rate the rate I'll get?
The default rate of 8.99% is an estimate. The actual rate depends on your credit file, your down payment and the lender. Adjust the slider to see the impact of a different rate.
Can I get financing with bad credit?
Yes. Prêt Auto Expert works with lenders specialized in 2nd and 3rd chance credit. 95% of applications are approved — we find a solution adapted to your situation.
How much down payment should I plan for?
A down payment isn't always mandatory, but it lowers your payments and improves your terms. The slider lets you test different amounts.
What financing terms are available?
Financing is offered over 24, 36, 48, 60, 72 or 84 months. A longer term lowers the monthly payment but increases total interest.
Does the estimate commit me to anything?
No, the calculator is free and without obligation. To get a real approval, submit your online financing application.
Ready to get your approval?
Happy with the estimate? Submit your application now — it's quick, free, and 95% of applications are approved. An expert contacts you, often the same day.