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Use our auto loan calculator to determine your affordable vehicle budget. Adjust the sliders to see how loan duration and amount influence your monthly payments.

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Vehicle price

The selling price before tax.

Down payment

Trade-in value

Lowers the amount you pay tax on.

Amount owing on trade-in

Added to your loan if you still owe on it.

Interest rate (APR)

Example rate. Your rate depends on lender approval.

Term

Payment frequency

More options

Administration fee

Hard-baked into every calculation. Taxable.

Rebates after tax

Applied to the amount financed after tax.

Plug-in hybrid or electric vehicle BC's PST rate steps up at a higher price for these vehicles.

Vehicle GST and PST Interest

Purchase price with fees
Trade-in credit
PST
GST (5%)
Down payment and rebates
Amount financed
Total interest
Total of payments

The same loan over other terms
Term	Payment	Interest

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Estimate only, not an offer of credit. Rates and terms depend on lender approval. Includes BC GST and PST for a passenger vehicle bought from a dealer. Does not include ICBC insurance and licensing, the federal luxury tax on vehicles over $100,000, or other charges.

BC PST on dealer purchases is 7% under $55,000, then 8%, 9% and 10% as the price climbs to $57,000, then 15% at $125,000 and 20% at $150,000. The rate is set by the purchase price before your trade-in, and the trade-in lowers the amount taxed. For plug-in hybrids and electric vehicles the 7% band runs up to $75,000 through February 22, 2027. Source: BC Ministry of Finance, PST Bulletin 116.