Quebec has the highest combined vehicle sales tax in Canada at 14.975% — 5% federal GST plus 9.975% Quebec Sales Tax (QST). On a $50,000 new vehicle, Quebec buyers pay $7,488 in combined tax — the highest in Canada and $4,988 more than Alberta. Quebec's average new vehicle prices mirror the national market. Typical car loan rates range from 5%–7% for good-credit borrowers, with 72 months being the most common term. Quebec has no provincial EV rebate in 2026, relying on the federal program for eligible vehicles.
GST+QST combined tax in model for Quebec — dealer fees, lender rules, and private-sale registration may differ. Not a financing offer.
Monthly payment
$706.16
Amount financed: $35,241
GST + QST (14.97% QC): +$5,241
Total interest: $7,128
Total cost of loan: $47,370
Price, tax & interest
| Vehicle Price | GST (5%) | QST (9.975%) | Total Tax (14.975%) | vs Alberta (5%) |
|---|---|---|---|---|
| $30,000 | $1,500 | $2,993 | $4,493 | +$2,993 |
| $50,000 | $2,500 | $4,988 | $7,488 | +$4,988 |
| $70,000 | $3,500 | $6,983 | $10,483 | +$6,983 |
| $100,000 | $5,000 | $9,975 | $14,975 | +$9,975 |
Quebec's combined GST + QST of 14.975% is the highest vehicle tax rate in Canada. On a $50,000 new car, Quebec buyers pay $7,488 in tax — $988 more than Ontario (13% HST) and $4,988 more than Alberta (5% GST only). Used vehicle purchases from dealers are also subject to GST + QST. For private used vehicle sales, QST applies at registration based on the estimated value.
| Credit Profile | Typical APR | On $40,000 / 72 months |
|---|---|---|
| Excellent (750+) | 5.0%–6.5% | $643–$673/month |
| Good (680–749) | 6.5%–8.0% | $673–$703/month |
| Fair (600–679) | 8.0%–12.0% | $703–$778/month |
| Poor (below 600) | 12.0%–24.9% | $778–$1,040/month |
Quebec has no provincial passenger EV rebate in 2026 — the Roulez vert program was significantly modified. Quebec buyers rely on the federal EV incentive: up to $5,000 for eligible BEVs and $2,500 for PHEVs on vehicles under $55,000. Despite no provincial rebate, Quebec has strong EV adoption driven by lower electricity costs from Hydro-Quebec and a well-developed charging network. Quebec's higher vehicle tax makes the federal rebate proportionally more valuable.
| Province | Vehicle Tax | Total Financed | 72mo at 6.5% |
|---|---|---|---|
| Alberta | $2,500 | $52,500 | $885/month |
| Ontario | $6,500 | $56,500 | $952/month |
| BC | $6,000 | $56,000 | $944/month |
| Quebec | $7,488 | $57,488 | $969/month |
Quebec charges 5% GST + 9.975% QST = 14.975% combined on vehicle purchases — the highest in Canada. On a $50,000 car, total tax is $7,488. This is $4,988 more than Alberta (5% GST only) and $988 more than Ontario (13% HST).
Car loan rates in Quebec range from 5%–6.5% for excellent credit to 6.5%–8% for good credit and 12%–24.9% for poor credit. Quebec's network of caisses populaires (Desjardins) often offers competitive rates for members.
Quebec's provincial Roulez vert EV rebate program has been significantly modified in 2026. The federal EV incentive provides up to $5,000 for eligible BEVs and $2,500 for PHEVs on vehicles under $55,000. Quebec has strong EV adoption due to low Hydro-Quebec electricity costs.
Quebec's 14.975% combined GST+QST is the highest vehicle tax in Canada. Ontario charges 13% HST, BC charges 12% (GST+PST), and Alberta charges only 5% GST. On a $50,000 car: Quebec $7,488, Ontario $6,500, BC $6,000, Alberta $2,500.
QST (Quebec Sales Tax) is Quebec's provincial sales tax at 9.975%, charged in addition to the 5% federal GST. Combined rate is 14.975%. QST applies to most goods and services including vehicles, electronics, and restaurant meals. Quebec administers QST separately from CRA.
Most Quebec lenders prefer 650+ for standard approval. Scores of 720+ qualify for the best rates. Desjardins (caisses populaires) is Quebec's largest credit union network and often offers competitive auto loan rates for members. Scores below 600 face rates of 12%–24.9%.
Educational estimates only. Not a loan offer.