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Auto Loan Rates in Quebec

Your auto loan rate depends on your credit profile, the loan term and the vehicle chosen. Our experts negotiate with over 18 financial institutions to get you the best rate possible.

What influences your rate

Your credit score

A better score generally gives access to a lower rate.

The loan term

A shorter term reduces the rate and total interest cost.

The vehicle age

A new or recent vehicle often offers better rates.

Your down payment

A larger down payment can lower your rate.

Rate questions

What is the average rate for an auto loan in Quebec?▼
Rates generally range from 6% to 22% depending on your credit profile. Use our calculator for a personalized estimate.
Can I get a good rate with bad credit?▼
The rate will be higher than with excellent credit, but our specialists always negotiate the best possible terms for your situation.
Is the rate fixed or variable?▼
The vast majority of our auto loans are fixed rate, which guarantees you a stable monthly payment.

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