Car payment calculator in Montreal

How much will your next car cost each week? This Auto Finance 123 calculator uses the same method as the payments shown on our listings: 9.99% interest over 72 months, taxes extra. Enter the price, your down payment and your trade-in value to get an estimate. Financing subject to lender approval.

Estimate for information only, taxes extra. The actual rate, term and payment depend on your credit file. Financing subject to lender approval.

How to read your estimate

• The weekly payment is the one shown on our listings; it lets you compare vehicles with each other.
• The amount financed is the price minus your down payment and the value of your trade-in.
• The total cost of credit shows what the loan costs over the whole term.
• The total obligation adds up the amount financed and the cost of credit.

Why 9.99% over 72 months?

It is the basis for every estimated payment shown on our website. It lets you compare vehicles the same way, from a small budget to an all-wheel-drive SUV. It is not an offer, though: depending on your credit file, the lender may propose a different rate or term. A 2nd or 3rd chance file often gets different terms than a file in good standing.

Lowering your payment

• Add a down payment, even a small one: every dollar you put down lowers the amount financed.
• Use your current vehicle as a trade-in; request its evaluation online.
• Look at a slightly less expensive vehicle: the difference shows up right away in the calculation.
• Also compare insurance costs, which vary a lot from one model to another.

From estimate to request

Once you have found a payment that suits you, move on to the free, no-obligation pre-approval request. The form takes about 20 seconds. A team member from our Pie-IX Boulevard dealership, in the Saint-Michel area of Montreal, calls you back to review your file and look for the vehicle that fits your budget. Newcomers, Uber drivers, bad credit or bankruptcy: we offer 1st, 2nd and 3rd chance credit financing. Financing subject to lender approval.

A concrete example

Take a sedan listed at $12,000. With a $1,000 down payment and a trade-in valued at $1,500, the amount financed drops to $9,500 before taxes. The calculator shows right away how each change affects the weekly, bi-weekly and monthly payment. Repeat the exercise with two or three vehicles from our inventory to see which one really fits your budget, then keep some room for insurance, fuel and maintenance. Newcomers and Uber drivers often find this step useful before applying.

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Frequently asked questions

Is the calculated payment guaranteed?

No. It is an estimate at 9.99% over 72 months, taxes extra. The actual rate and term depend on your file. Financing subject to lender approval.

Are taxes included?

No, the estimate is calculated with taxes extra. A team member shows you the full amount before anything is signed.

Can I change the term?

Yes, try different terms in the calculator. The term offered depends on the lender, the vehicle and your file.

How do I get a real number?

Send the free, no-obligation pre-approval request; a team member calls you back with the terms that apply to your file.

Get my free pre-approval · View the inventory

Financing application · Bad credit financing · Under $15,000 · Under $20,000