Quick answer: Payment, HST and total cost, with the trade-in tax credit done right. A $35,000 car at 7% over 72 months runs $623/month and $47,866 all-in.
Price, trade-in, down payment, rate, term — and the parts dealers gloss over: Ontario HST charged on the price minus your trade-in (that credit is worth 13% of the trade on its own), the total interest, and the all-in cost of the car. The default $35,000 vehicle with $3,000 down at 7% over 72 months runs $623 a month — $8,304 of interest, $47,866 all-in with tax. Outside Ontario, toggle the tax off — the loan math works anywhere. The payment is the hook; the all-in line is the truth.
In Ontario (and most provinces), HST on a vehicle purchase applies to the price minus the trade-in allowance. Trade in a $10,000 car and you save $1,300 in tax on top of its value — which is why comparing a dealer trade against a private sale should include the tax credit, not just the offers.
An 84-month loan makes any car look affordable, and it costs the most of any option — more months of interest, and years where you owe more than the car is worth. If the payment only works at 84 months, the honest conclusion is usually a cheaper car, not a longer loan.
Sometimes — but 0% offers frequently replace a cash rebate, so you're paying for the financing in the price. Run the numbers both ways: rebate-plus-bank-loan against 0%-no-rebate. On mainstream vehicles the rebate path wins more often than showrooms suggest.
Every calculator runs from one config: your name, your colours, your prices. Brand it below, open any tool from the catalogue, and finish a quote — the lead lands in the table here the moment the estimate unlocks. On your own site the widget works exactly like this.
| Captured | Name | Contact | Tool | Job value |
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| No leads yet — run any tool in the catalogue and finish the quote. | ||||
| Tenants signed | Avg. rent | Monthly | Annual |
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