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What our users say:

Based on 322 reviews
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 20
Imad Harrouk helped us with getting a…
Imad Harrouk helped us with getting a car insurance quote. He was very friendly ...
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 17
Highly Recommended !
I spoke with Mr. Imad Harrouk of DirectRate for quotes on my car and condo insur...
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 13
Amazing service
Amazing service, Sonia is patient and helpful. Can not complain. I am happy with...
Miroslav Adalbert Elias
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
simple, quick and easy
tony palumbo

How it works. Hint: It's free!

  1. Enter your information.
  2. Get matched with a dealership and get approved for a loan.
  3. Choose a vehicle from the dealership offering you a loan.

Get approved for a car loan in Quebec. Just like that.

You're ready for a new (or used) ride, and all you need is some financing. No problem. Our car loan service helps Quebec drivers secure a loan and get on the road.

We can help you even if you have:

  • Bad credit.
  • No credit.
  • Good credit.
  • Late payments.
  • Repossession.
  • Collections.
  • A bankruptcy.
  • A divorce.
  • New Canadian status.

Quebec car loans made easy.

We’re proud of the car loan service we offer. Here’s why applying for a car loan online through is the better way.

Your Quebec car loan questions, answered.

I don't live in a big city like Montreal. Can I still get a car loan?

es. Our network of lenders and dealers operates across all of Quebec. So while we can match you with a car loan partner in Montreal, we can also match you if you live in a smaller place, like Sherbrooke, Rimouski, or Drummondville.

How much tax do I have to pay on a vehicle purchased in Quebec?

Unlike in some other provinces, Quebec still has two separate taxes, GST and QST (Quebec Sales Tax), and they're calculated differently. If you purchase a car from a registered dealer you'll have to pay 5% GST on the price and 9.975% QST on either the price of the car or the estimated value of the car — whichever amount is higher.

If I buy a used car, can I still benefit from the manufacturer's warranty?

Of course — as long as the warranty hasn't expired. When vehicle ownership changes hands in Quebec, so does the warranty.

How will my monthly payments be calculated?

The calculations are based on a couple of factors, including your loan amount, interest rate, and loan term. Naturally, a large loan and high interest rate will lead to more expensive payments, and the opposite is true for smaller loans and lower rates.

But it's the loan term that can really decide your monthly payments. The longer you stretch out your loan, the less you pay month to month — but be careful. You have to pay more interest on a long loan than on a short loan.

Take a look at our graph to see what your payments might look like for a $9,000 loan at 8% interest over different periods of time.

Monthly payments on a $9,000 car loan (at 8% interest)

Length of car loanCar loan payment
24 months$407
36 months$282
48 months$220
60 months$182
72 months$158
84 months$140
96 months$127

About our auto loan network.

  • It's nationwide, servicing all provinces.
  • It's a free, fully secure, no obligation loan service.
  • It provides car loans that range from $5,000 – $40,000.
  • It offers market competitive interest rates, speedy approvals, and affordable payments.
  • It boasts a 100% acceptance rate, even if you have no credit or bad credit.

Quebec car loan tips

Buy from a licensed dealer

Licensed Quebec car dealers have to follow provincial regulations designed to protect consumers like yourself, so it's safer, financially, to work with them. Use the Office of Consumer Protection's tool to learn more about the licensed dealer we match you with.

Choose a shorter loan

Short loans, like 24, 36, and 48-month loans, are smart options if you can afford bigger payments. You'll pay down your principal faster and save on interest charges.

Research before you buy

Read reviews and study the car's safety ratings. And don't just learn more about the car — learn more about the process of buying a car too. Visit the SAAQ website for more car buying tips and resources.

Ask for the car's history

Want to verify the info (number of kilometres, previous repairs, etc.) listed in the car's label before you buy? Request a history of the car from the SAAQ (la Société de l'assurance automobile du Québec) and get access to an official record of the vehicle.

Go for a test drive

Drive the car for at least 30 minutes and get a feel for how it steers, brakes, and accelerates. Remember to also test it on different road conditions and at different speeds.

Quebec car loan facts

  1. The car-buying season isn't in full swing yet, but Quebec's already clocked in 39,800 auto sales between January and March 2016.
  2. When it comes to buying a new car in Quebec, North American vehicles reign supreme. Recent numbers from Stats Canada show that Quebec residents bought 137,911 North-American-made cars and 80,545 imports in 2015.
  3. While Western provinces like Alberta and Saskatchewan reported a spike in auto loan delinquencies in Q4 2015, Quebec actually boasted the lowest delinquency rate (0.92%) in all of Canada.
  4. Truck sales are up. According to Scotiabank's Global Auto Report, truck sales in Quebec rose almost 25% compared to 2015.

Quebec car loan myths

  1. I can't get a car loan in Quebec if I have bad credit or no credit history at all. False. We actually specialize in car loans for Canadians with poor credit or no credit history. So even if you've experienced a repossession, declared bankruptcy, or recently moved to Canada, the lenders and dealers in our network will work with you to get the financing you need.
  2. I have 10 days to return my car and get a full refund. False. There's no return policy for car sales in Quebec. Make sure you're certain about a vehicle before you buy it because there's no turning back once you sign that contract.
  3. The Consumer Protection Act applies to all used car sales in Quebec. False. The Consumer Protection Act only protects you if you buy a car from a dealership. When you buy privately from an individual, like from a friend or an online seller, the Office of Consumer Protection can only act as an advisor for the sale.
  4. It's difficult to get a car loan for a used car in Quebec. False. Our car loan service matches you with lenders and dealers who offer auto loans for used vehicles.

Car loan news

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