Includes HST/GST • Trade-in & down payment • Total cost of ownership
Calculate your monthly car payment and see the total cost of your vehicle including taxes, financing charges, and how much you pay over the full loan term.
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Car Loan Tips for Canadians
Negotiate the price first — never start with monthly payment discussions
Get pre-approved at your bank or credit union before visiting the dealership
Avoid 84-month loans — you'll be underwater on value for years
Watch for dealer fees: documentation, admin, and OMVIC fees add $30000–$80000 in Ontario
EV incentives: Federal iZEV up to $5,000000 and provincial rebates may apply
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Once you know your numbers, start acting on them. KOHO offers free banking with no monthly fees. Use code BREMO2026 for a bonus when you open your account.