Car payment calculator in Terrebonne

What will that SUV really cost you each week? Enter the price, your down payment, your trade-in value, a rate and a term: the calculator adds GST and QST and shows you a weekly, bi-weekly and monthly payment. It is an estimate, subject to lender approval.

Estimate for information only. Financing subject to lender approval: the actual rate, term and payment depend on your credit file. Registration and insurance are not included.

How the calculation works

1. Your trade-in value is subtracted from the vehicle price.
2. GST (5%) and QST (9.975%) are added to the remaining amount.
3. Your down payment is taken off, which gives the amount financed.
4. The payment is calculated on that amount at the rate and term you chose, then shown as a weekly, bi-weekly and monthly payment.

The starting example uses an annual rate of 9.99% over 72 months, terms Kasano shows as an example. It is not an offer: your actual rate depends on your credit file and the lender’s decision, and it may be higher or lower.

A worked example

Take a vehicle listed at $12,000, with no trade-in and no down payment, at 9.99% over 72 months. With taxes, the amount financed is $13,797. The estimated payment is about $58.83 a week, $117.75 every two weeks or $255.53 a month, for a total of about $18,398 over six years. With a $3,000 trade-in and a $1,000 down payment, the amount financed drops to $9,347.75 and the payment falls to around $39.86 a week.

What the calculator does not count

• Registration and SAAQ fees.
• Your insurance premium, which varies with the vehicle, your driving record and where you live.
• Winter tires, mandatory in Québec from December 1 to March 15, if the vehicle does not have a set.
• The actual rate you will get: only the lender sets it.

Lower your payment without a trap

A longer term lowers the payment but raises the total cost of credit: compare the “Total cost of credit” line at 60 and 84 months before you choose. The healthiest levers are still a less expensive vehicle, a down payment or a trade-in. Our page of vehicles under $15,000 is a good place to start.

From an estimate to a real answer

When the payment works for you, fill in the online financing application. Our team looks at it and gets back to you quickly to discuss the vehicle and the possible terms. Prefer to talk it through? Call, text or WhatsApp us at 514-819-9812, or come to 4215 Montée Gagnon, Terrebonne, QC J6Y 1K9, Canada Monday to Friday from 10 a.m. to 5 p.m. or Saturday from 10 a.m. to noon.

Frequently asked questions

Is the payment shown a financing offer?

No. It is an estimate based on the numbers you enter. Financing is subject to lender approval.

Why a 9.99% rate?

It is the example rate Kasano uses, over 72 months. Your actual rate depends on your credit file and may be different.

Why does the trade-in lower the taxes too?

The calculator applies GST and QST to the price minus the trade-in value. An advisor can confirm the exact calculation for your transaction.

Can I calculate the payment for a specific vehicle?

Yes. Enter the price shown on its listing. Many listings also show an estimated weekly payment.

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