Lease vs finance in Quebec
Original AutoMart Canada notes for shoppers in Quebec. Rates and programs change — confirm with a dealer, insurer, or the provincial government before you buy.
Leasing in Quebec means tax on the payment stream (GST 5% plus QST 9.975% (14.975% combined) on a new vehicle.). A loan means tax on the purchase, then interest. Neither is “cheaper” until you fix term, residual, kilometres, and the money factor.
Residuals are set by the captive finance company. High-kilometre rural driving in Quebec can make a loan the cleaner path.
AutoMart is not a lender. Use the lease and payment calculators, then apply so a dealer or finance partner can quote real numbers.
City hubs in Quebec on this site include Alma, Baie-Comeau, Beaconsfield, Blainville, Boucherville, Brossard, Chambly and Chateauguay and 42 more. Open the Quebec city list or the Canada map.