Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
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 $300–$800 in Ontario
EV incentives: Federal iZEV up to $5,000 and provincial rebates may apply
Free Banking to Help You Reach Your Financial Goals
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.