{"id":822502,"date":"2019-12-12T00:44:43","date_gmt":"2019-12-12T05:44:43","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=822502"},"modified":"2026-01-08T14:42:54","modified_gmt":"2026-01-08T19:42:54","slug":"where-to-buy-a-car","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/where-to-buy-a-car","title":{"rendered":"Where to buy a car in Canada"},"content":{"rendered":"<p>These days, buying a car doesn\u2019t necessarily mean going to a dealership. While the traditional approach of visiting a new or used car dealer in person is still an option, you can also buy from a private seller, at an auto auction house or even online \u2013 in fact, you don\u2019t even have to leave home to buy your next car.<\/p><p>But with so many options available, where is the best place to buy a car in Canada? In this guide, we\u2019ll break down your car sales choices one by one to help you decide the right option for you.<\/p><h3>Quick view: Where to buy a car in Canada<\/h3><p>If you\u2019re wondering where to buy a car \u2013 whether new or used \u2013 the table below outlines your options.<\/p><table class=\"luna-table luna-table--responsiveList aligncenter\"><thead class=\"luna-table__header\"><tr><th style=\"width: 16%;\" scope=\"col\"><\/th><th style=\"width: 16%;\" scope=\"col\"><b>Online dealer<\/b><\/th><th style=\"width: 16%;\" scope=\"col\"><b>In-person from a new car dealer<\/b><\/th><th style=\"width: 16%;\" scope=\"col\"><b>In-person from a used car dealer<\/b><\/th><th style=\"width: 16%;\" scope=\"col\"><b>Private seller<\/b><\/th><th style=\"width: 16%;\" scope=\"col\"><b>Auction<\/b><\/th><\/tr><\/thead><tbody><tr><td scope=\"row\"><b>Cost<\/b><\/td><td>Often cheaper<\/td><td>Often more expensive<\/td><td>Often more expensive<\/td><td>Often cheaper<\/td><td>Cheap<\/td><\/tr><tr><td scope=\"row\"><b>Speed of purchase<\/b><\/td><td style=\"text-align: center;\">Depends how much you shop around<\/td><td style=\"text-align: center;\">Can be time-consuming<\/td><td style=\"text-align: center;\">Can be time-consuming<\/td><td style=\"text-align: center;\">Can be time-consuming<\/td><td style=\"text-align: center;\">Very fast<\/td><\/tr><tr><td scope=\"row\"><b>New cars available<\/b><\/td><td>Depends on the dealer<\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-836369 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png\" alt=\"x mark\" width=\"25\" height=\"25\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836369 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png\" alt=\"x mark\" width=\"25\" height=\"25\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836369 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png\" alt=\"x mark\" width=\"25\" height=\"25\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><\/tr><tr><td scope=\"row\"><b>Used cars available<\/b><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836369 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png\" alt=\"x mark\" width=\"25\" height=\"25\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><\/tr><tr><td scope=\"row\"><b>Test drives<\/b><\/td><td>Trial period usually<\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836368 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png\" alt=\"check mark\" width=\"25\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/check-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><td><img decoding=\"async\" class=\"size-full wp-image-836369 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png\" alt=\"x mark\" width=\"25\" height=\"25\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/x-mark_150x150.png?fit=75 75w\" sizes=\"(max-width: 75px) 100vw, 75px\" loading=\"lazy\"><\/td><\/tr><tr><td scope=\"row\"><b>Ease of purchase<\/b><\/td><td style=\"text-align: center;\">Easy<\/td><td style=\"text-align: center;\">Varies \u2014 depends on the seller<\/td><td style=\"text-align: center;\">Varies \u2014 depends on the seller<\/td><td style=\"text-align: center;\">Varies \u2014 depends on the seller<\/td><td style=\"text-align: center;\">Easy<\/td><\/tr><\/tbody><\/table><h3>5 places to buy a car in Canada<\/h3><ol><li><a href=\"#online\">Buying a car from an online dealer<\/a><\/li><li><a href=\"#new\">Buying a car in-person from a new car dealer<\/a><\/li><li><a href=\"#used\"> Buying a car in-person from a used car dealer<\/a><\/li><li><a href=\"#private\">Buying a car from a private seller<\/a><\/li><li><a href=\"#auction\">Buying a car at an auction<\/a><\/li><\/ol><h3 id=\"online\">1. Buying a car from an online dealer<\/h3><p>Online car dealerships such as <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/clutch-review\">Clutch<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/cardoor-review\">CarDoor<\/a> allow you to compare and buy cars completely online. Simply browse the dealer\u2019s vehicle inventory on their website, compare models you\u2019re interested in and then place your order.<\/p><p>The car you buy can then be delivered to your door. In many cases, you\u2019ll then have a trial period of around 7\u201314 days to drive the vehicle and make sure you\u2019re happy with your purchase. Some online dealers also allow you to trade in your current vehicle to put toward the cost of your next car.<\/p><p>The biggest advantage of <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/shop-for-car-online\">buying a car online<\/a> is that it\u2019s extremely convenient. You can compare a wide range of vehicles and prices without having to get off the couch and without feeling pressured to buy. However, making such a major purchase without physically laying eyes on the car yourself is a barrier for some potential buyers.<\/p><p>Check out <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\">our guide to online car dealers in Canada<\/a> to research your online car buying options.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><b>Simple and convenient. <\/b>You can browse cars online, compare multiple models and buy your next vehicle without leaving the comfort of your couch.<\/li><li><strong>Avoid pushy salespeople.<\/strong> When you buy online, you don\u2019t have to deal with the aggressive sales tactics of salespeople who work on commission. Instead, you can shop at your own pace.<\/li><li><strong>Trial period.<\/strong> Many online dealers give you a trial period of 7\u201314 days so you can drive the vehicle you\u2019ve chosen to buy and decide whether it\u2019s right for you. If it\u2019s not, you can return or exchange it.<\/li><li><strong>Delivery to your door.<\/strong> Once you\u2019ve chosen the car you want to buy, you can arrange a time to have it delivered to your home.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-13\"><li><b>Non-negotiable prices. <\/b>Online dealers\u2019 prices are typically non-negotiable, so you don\u2019t have the freedom to haggle and try to get a better deal.<\/li><li><strong>Can\u2019t test-drive multiple cars.<\/strong> Unlike when you visit a dealership in-person, you can\u2019t test-drive multiple vehicles back-to-back to see how they compare.<\/li><li><strong>Newer models only.<\/strong> Most online dealers tend to stock recent-model vehicles only, so you\u2019ll need to consider other marketplaces for private sellers if you\u2019re looking for older (and potentially cheaper) used cars.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/online-car-dealers-canada\/canada-drives-vs-clutch-vs-cardoor\" style=\"text-decoration:underline; font-size:0.9em;\">Online car dealers: Canada Drives vs Clutch vs CarDoor<\/a>\n<\/div>\n<\/article><div class=\"rewards--element-container rewards--container\" data-product-id=\"de1c9023-15d0-4348-91ea-3fc9fa05ca59\" data-product-name=\"Clutch Car Loans\" data-niche=\"Car Loans\" data-provider-name=\"Clutch\" data-rewards-campaign-name=\"\">\r\n\r\n<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n.uk-hero-rates h3 { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n  \/* 1. Centers the button container and its text\/button *\/\r\n.applylinks {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    text-align: center;\r\n}\r\n\r\n\/* 2. Ensures the button doesn't stretch and has equal margins *\/\r\n.applylinks .luna-button {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n    display: inline-block;\r\n    width: fit-content;\r\n}\r\n<\/style>\r\n\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\"><\/span>\r\n<a class=\"disclaimer_popup\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n  <span class=\"disclaimer_popup--text\" style=\"font-size: inherit;\">Promoted<\/span>\r\n  <svg class=\"luna-icon luna-icon--small luna-icon--primary\" aria-hidden=\"true\">\r\n    <use xlink:href=\"#info\"><\/use>\r\n  <\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/clutch-car-financing-ca-car-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22de1c9023-15d0-4348-91ea-3fc9fa05ca59%22%2C%22product_name%22%3A%22Clutch%2BCar%2BLoans%22%2C%22offer_id%22%3A%2221758%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22post_id%22%3A%22822502%22%2C%22post_path%22%3A%22car-loans%252Fbuying-a-car%252Fwhere-to-buy-a-car%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png\" alt=\"Clutch Car Loans\" class=\"has-margin-bottom-xsmall has-padding-xxxsmall no-padding-top has-margin-top-xsmall\" style=\"width: 250px; min-width: 200px; max-height: 250px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61ead18a0cdce.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<h3 class=\"has-margin-bottom-xsmall\" style=\"font-weight: 400;\">Buy a car online with Clutch <\/h3>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n<li>Pre-qualify with no impact to credit<\/li>\r\n<li>Borrow from $7,500 with rates from 7.99%, terms from 24 - 96 months<\/li>\r\n<li>Get the vehicle delivered to your door<\/li>\r\n\r\n\r\n<\/ul>\r\n\r\n \r\n\r\n<\/div> \r\n  \r\n  <div class=\"applylinks u-grid__col u-1\/4@s\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/clutch-car-financing-ca-car-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22de1c9023-15d0-4348-91ea-3fc9fa05ca59%22%2C%22product_name%22%3A%22Clutch%2BCar%2BLoans%22%2C%22offer_id%22%3A%2221758%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22post_id%22%3A%22822502%22%2C%22post_path%22%3A%22car-loans%252Fbuying-a-car%252Fwhere-to-buy-a-car%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button rewards--cta\">Go to site<\/a>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article>\r\n  <\/div>\r\n\r\n<h3 id=\"new\">2. Buying a car in-person from a new car dealer<\/h3><p>If you want a shiny new set of wheels and that new-car smell, your local car dealership is likely going to be your first stop to buy a car. You can find dealerships for all major brands in cities and towns across Canada \u2013 it\u2019s just a matter of visiting your top choices to start test-driving models.<\/p><p>When you find the vehicle you want, you can then negotiate the purchase price. You can also trade in your current vehicle to help cover the cost of buying a new car, but you\u2019ll probably need to settle for a lower price than you could get if you were to sell privately.<\/p><p>Another option worth considering is <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car-sites\/demo-car-buying-guide\">buying a demo car<\/a> from a dealership. Demo models are usually vehicles that have been used as test-drive cars, but they can also be vehicles used by dealership employees or even used as loan cars.<\/p><p>Because demo cars can sometimes have thousands of kilometres on them and a little wear and tear, you can enjoy substantial savings compared to the cost of a new vehicle. And since they\u2019re often used to show off the best a particular model has to offer, they commonly include a range of top-of-the-line features and extras. However, you\u2019ll need to find out exactly how the demo has been used before you buy.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><b>Peace of mind. <\/b>A new car is just that, new \u2013 you won\u2019t have to worry about parts being worn down, and it\u2019s much less likely to develop issues as quickly as a used car. You also don\u2019t need to worry about service records, previous body damage or any outstanding finance from the previous owner.<\/li><li><strong>Get the best features.<\/strong> When you buy new from a dealer, you can get a car with all the latest features, a new-car warranty and any options you desire.<\/li><li><strong>Freedom to negotiate.<\/strong> Some car buyers hate haggling, but others love it. And if you don\u2019t mind a little bit of back and forth and playing dealers off against one another, you might be surprised just how much better a price you can negotiate.<\/li><li><strong>See and test-drive multiple options.<\/strong> Visiting dealerships in-person gives you the chance to physically sit in each car and run your eye over every feature. You also get the opportunity to test-drive multiple models and compare their on-road performance.<\/li><li><strong>Consumer protection.<\/strong> If you buy a defective vehicle from a dealer, you may be eligible for the <a href=\"http:\/\/www.camvap.ca\/\" target=\"_blank\" rel=\"noopener\">Canadian Motor Vehicle Arbitration Plan (CAMVAP).<\/a> There may also be other protections available where you live such as Ontario\u2019s Motor Vehicle Dealers Compensation Fund.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-13\"><li><b>High-pressure sales tactics. <\/b><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/negotiating-with-car-dealer\">Buying face-to-face means dealing with sales staff<\/a>. Car salespeople may not have the best reputation for honesty or integrity, so keep an eye out for the dodgy sales tactics some dealers use to prey on unwitting customers. You\u2019ll also need to deal with the pressure of sales pitches at every dealership you visit.<\/li><li><strong>Premium prices.<\/strong> When you buy new, you\u2019re always going to pay more than you would for a used vehicle.<\/li><li><strong>Low-ball trade-in offers.<\/strong> If you decide to trade in your current vehicle at a dealership, expect the dealer to offer you less than what your car is worth.<\/li><li><strong>Hassle of visiting multiple dealerships.<\/strong> Shopping for a new car from a dealership takes time. You\u2019ll want to compare multiple makes and models to find the right vehicle and the process can be a time-consuming hassle.<\/li><li><strong>Demo drawbacks.<\/strong> If you buy a car that\u2019s been used as a dealer demo, keep in mind that you\u2019re effectively buying a used vehicle. This means you may not enjoy the same peace of mind that comes with a new car. You\u2019ll need to make sure you\u2019re aware of exactly how the demo model has been used before you buy.<\/li><\/ul><\/div><\/div><h3 id=\"used\">3. Buying a car in-person from a used car dealer<\/h3><p>A used car may not have the same level of glamour and excitement as a new vehicle, but <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car\">buying used<\/a> is a lot more affordable than buying new. You can visit multiple dealerships to compare different models and find the best price. You also have the freedom to negotiate a better price.<\/p><p>The downsides are that there\u2019s always the risk of buying a car that\u2019s less than perfect under the hood, while used car salespeople don\u2019t exactly have a reputation for trustworthiness.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Must read: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car-sites\" style=\"text-decoration:underline; font-size:0.9em;\">Best used car sites in Canada<\/a>\n<\/div>\n<\/article><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><strong>Cheaper to buy.<\/strong> You can save thousands of dollars if you buy a used car instead of a new one.<\/li><li><strong>There\u2019s value to be found.<\/strong> You\u2019ll find plenty of well-maintained used cars that have been regularly serviced and treated with the utmost care throughout their lives, so it\u2019s possible to find excellent value for money.<\/li><li><strong>Plenty of choice.<\/strong> From sedans and SUVs to minivans and pickup trucks and from entry-level to luxury vehicles, you\u2019ll find a wide range of makes and models to choose from.<\/li><li><strong>Prices are negotiable.<\/strong> If you\u2019re willing to haggle, you can save more money by negotiating with the dealer to secure a better price.<\/li><li><strong>Warranty.<\/strong> When you buy from a dealer, they\u2019ll typically include a vehicle warranty for a specified period or kilometres driven. This can provide much-needed peace of mind, but read the fine print to find out exactly what the warranty does and doesn\u2019t cover.<\/li><li><strong>Consumer protection.<\/strong> There are also provincial protections available when you buy a used car from a licensed dealer. Check with the car sales regulator in your province or your local consumer affairs office for more information.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-13\"><li><b>Dodgy dealers. <\/b>Dealing with used car salespeople who have a well-established reputation for dodgy sales tactics and questionable ethics is enough to put some buyers off visiting used car dealerships.<\/li><li><strong>You don\u2019t know what you\u2019re getting.<\/strong> Not all used cars have led trouble-free lives. Mechanical problems, poor servicing history and questionable repairs following previous accidents are just a few of the potential problems lurking beneath the surface.<\/li><li><strong>Lack of modern features.<\/strong> Used cars don\u2019t have the same safety tech and driving aids as modern vehicles, so you\u2019ll need to settle for fewer features.<\/li><li><strong>Make sure you arrange a pre-purchase inspection.<\/strong> Even if the dealer has performed their own inspection, it\u2019s worth getting a vehicle <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car-sites\/pre-purchase-vehicle-inspections\">inspected by an independent licensed mechanic<\/a> to make sure it\u2019s in good working order.<\/li><\/ul><\/div><\/div><h3 id=\"private\">4. Buying a car from a private seller<\/h3><p>Your next option when searching for the best place to buy a car is to buy a vehicle from a private seller. Traditionally, that meant searching for cars advertised in the classifieds section of your local paper or maybe just marked on the side of the road with a for-sale sign on the windshield.<\/p><p>These days, there are plenty of online marketplaces where owners can <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/sell-used-car\">sell their cars<\/a>. Some are dedicated car sales websites like AutoTrader and Carpages.c, while others are general marketplaces like Kijiji and Facebook Marketplace.<\/p><p>These sites make it easy to filter cars based on your desired make, model, price and a host of other features. Once you\u2019ve found a car you like, you can contact the seller to arrange a time to inspect it and take a test drive.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><strong>Get a good price.<\/strong> Buying privately potentially allows you to score a great deal. When you find a mechanically sound car with all the features you want, you can haggle all you want with the seller and try to negotiate the best possible price.<\/li><li><strong>Meet the owner.<\/strong> Meeting the vehicle\u2019s owner can give you an idea of whether the car has been looked after or not. They can also give you a full rundown of the car\u2019s history.<\/li><li><strong>Avoid high-pressure sales tactics.<\/strong> You\u2019re less likely to encounter pushy sales pitches when dealing with a private seller rather than a dealer.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-13\"><li><strong>Lack of consumer protection. <\/strong>While regulations vary between provinces, there are generally far fewer consumer protections if you buy from a private seller instead of a licensed dealer.<\/li><li><strong>You have to do your due diligence.<\/strong> A clear title isn\u2019t guaranteed, and you could be buying a stolen car, so you need to check up on the car\u2019s history. You also won\u2019t get a warranty, so having it inspected by a mechanic is critical before you buy.<\/li><li><strong>More paperwork.<\/strong> If you buy from a dealer, they can walk you through all the paperwork you need to complete step by step. But if you buy privately, it\u2019s up to you to ensure that you fill out all the necessary forms to transfer ownership.<\/li><\/ul><\/div><\/div><h3 id=\"auction\">5. Buying a car at an auction<\/h3><p><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car-sites\/buy-car-at-auction\">Buying a car at an auction<\/a> is the quickest method for buying a car and can come with significant savings compared to buying from a dealer. Although many auctions aren\u2019t generally targeted toward private buyers, you can find a great deal if you know what you\u2019re looking for.<\/p><p>You\u2019ll typically get to inspect a vehicle before bidding, but test drives aren\u2019t available. Some cars come with a limited warranty and others won\u2019t \u2013 the auctioneer will announce this before bidding begins.<\/p><p>With this in mind, it\u2019s important you research ahead of time and keep a cool head when bidding starts.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><strong>Cheap prices.<\/strong> You\u2019ll often be able to save money if you buy at an auction rather than going to a dealership. This is especially the case if there\u2019s limited competition from other bidders.<\/li><li><strong>Lots of options.<\/strong> You\u2019ll find a wide range of makes and models at an auto auction, with vehicles to suit a variety of needs.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>What to watch out for<\/h4><ul class=\"list-13\"><li><b>No test drives. <\/b>It\u2019s typically not possible to take a vehicle for a test drive prior to the auction. You\u2019ll need to do your research and inspect any vehicle thoroughly before deciding whether to put in a bid.<\/li><li><strong>Getting over-excited.<\/strong> There\u2019s always a risk of getting swept up in the excitement of an auction and bidding more than you should or more than you can afford to pay.<\/li><li><strong>Can be intimidating.<\/strong> Auctions can be quite an intense experience the first time around, so it takes a little while to get used to understanding how the process works.<\/li><li><strong>No warranty.<\/strong> The car you buy often won\u2019t come with a warranty.<\/li><\/ul><\/div><\/div><h3>Cheapest provinces to buy a car in Canada<\/h3><p>The cheapest place to buy a car in Canada is in the Atlantic region, according to the AutoTrader December 2022 Price Index. The 2022 data reveals that the average price of a new car in the region is $53,900, with used cars selling for an average of $44,935.<\/p><p>The next cheapest province to buy a car is Quebec, with average new and used prices of $55,660 and $45,975 respectively.<\/p><p>But it\u2019s bad news for Albertans searching for affordable cars as their province topped the list as the most expensive place to buy a new vehicle. If you\u2019re car shopping in Alberta, expect to pay $63,231 for a new car and $54,859 for a used vehicle.<\/p><h3>Cheapest provinces to buy a car based on car sales tax<\/h3><p>Car sales tax can have a big impact on the total cost of buying a car in Canada. However, the amount of tax you pay varies depending on where you live and whether you buy from a dealership or a private seller.<\/p><h4>Car sales tax when you buy a new or used car from a dealership<\/h4><p>When you buy a new or used car from a dealership in Canada, you\u2019ll need to pay GST at a rate of 5% no matter where you live. However, the provincial tax rate that applies on top of GST varies from province to province.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 25%; text-align: left;\" scope=\"col\">Province<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Provincial tax rate<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Federal GST rate<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Total tax rate<\/th><\/tr><\/thead><tbody><tr><td>Alberta<\/td><td>0%<\/td><td>5%<\/td><td>5%<\/td><\/tr><tr><td>British Columbia<\/td><td>7\u201320%<br>(7% on vehicles less than $55,000)<\/td><td>5%<\/td><td>12\u201325%<\/td><\/tr><tr><td>Manitoba<\/td><td>7%<\/td><td>5%<\/td><td>12%<\/td><\/tr><tr><td>New Brunswick<\/td><td>10%<\/td><td>5%<\/td><td>15%<\/td><\/tr><tr><td>Newfoundland and Labrador<\/td><td>10%<\/td><td>5%<\/td><td>15%<\/td><\/tr><tr><td>Nova Scotia<\/td><td>10%<\/td><td>5%<\/td><td>15%<\/td><\/tr><tr><td>Ontario<\/td><td>8%<\/td><td>5%<\/td><td>13%<\/td><\/tr><tr><td>Prince Edward Island<\/td><td>10%<\/td><td>5%<\/td><td>15%<\/td><\/tr><tr><td>Quebec<\/td><td>9.975%<\/td><td>5%<\/td><td>14.975%<\/td><\/tr><tr><td>Saskatchewan<\/td><td>6%<\/td><td>5%<\/td><td>11%<\/td><\/tr><\/tbody><\/table><h4>Car sales tax when you buy a used car from a private seller<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 25%; text-align: left;\" scope=\"col\">Province<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Provincial tax rate<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Federal GST rate<\/th><th style=\"width: 25%; text-align: left;\" scope=\"col\">Total tax rate<\/th><\/tr><\/thead><tbody><tr><td>Alberta<\/td><td>0%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td>British Columbia<\/td><td>12\u201320%<br>(12% on vehicles less than $55,000)<\/td><td>0%<\/td><td>12\u201320%<\/td><\/tr><tr><td>Manitoba<\/td><td>7%<\/td><td>0%<\/td><td>7%<\/td><\/tr><tr><td>New Brunswick<\/td><td>15%<\/td><td>0%<\/td><td>15%<\/td><\/tr><tr><td>Newfoundland and Labrador<\/td><td>15%<\/td><td>0%<\/td><td>15%<\/td><\/tr><tr><td>Nova Scotia<\/td><td>15%<\/td><td>0%<\/td><td>15%<\/td><\/tr><tr><td>Ontario<\/td><td>13%<\/td><td>0%<\/td><td>13%<\/td><\/tr><tr><td>Prince Edward Island<\/td><td>15%<\/td><td>0%<\/td><td>15%<\/td><\/tr><tr><td>Quebec<\/td><td>9.975%<\/td><td>0%<\/td><td>9.975%<\/td><\/tr><tr><td>Saskatchewan<\/td><td>6%<br>(vehicles less than $5,000 are exempt)<\/td><td>0%<\/td><td>6%<\/td><\/tr><\/tbody><\/table><h3>Where to buy a car with bad credit<\/h3><p>If you have less-than-perfect credit or no credit at all, you still have options for where to buy a car. While you might have trouble financing a car through conventional loans from banks and credit unions, some lenders specialize in offering <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\">bad credit car loans<\/a>.<\/p><p>Car dealerships and online car loan lenders are some of the best places to buy a car with bad credit. They often offer car loans to consumers who are dealing with bankruptcy, bad credit or no credit at all. You may encounter higher interest rates and fees for any loans you are approved for, though.<\/p><p>Generally, borrowers with bad credit can qualify for rates that are as low as 10% up to 29.99% or more. The rate you can secure will vary depending on a handful of key factors, including the following:<\/p><ul class=\"list-9\"><li><strong>Your financial situation. <\/strong>Your income, how stable it is and your down payment are taken into account when lenders are deciding on your interest rate for a bad credit loan. They need to know you\u2019ll have steady funds to stay on top of repayments.<\/li><li><strong>Your existing debt.<\/strong> Lenders will check your debt-to-income ratio to determine whether you can afford repayments. You\u2019ll need to stay on top of existing debt repayments before you apply to lock in a better car loan interest rate.<\/li><li><strong>Your loan needs.<\/strong> Lenders need to know how much you need to borrow, how long it\u2019ll take for you to repay your loan and what type of car you\u2019re purchasing (new vs old).<\/li><\/ul><p>Do your research and compare loan options to find the best deal.<\/p><h3>Bottom line<\/h3><p>Finding the best place to buy a car in Canada can save you time and money when you\u2019re ready to choose your next ride. Putting in the effort now will help you find a reliable car with all the right features, without breaking the bank. Remember to also <a href=\"https:\/\/www.finder.com\/ca\/car-loans\">compare financing options for cars<\/a> to get the most out of your money.<\/p><h3>Frequently asked questions about where to buy a car<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I buy a car if I have bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. While traditional lenders like banks may be hesitant to work with you if your credit score is poor, there are lenders that work specifically with low-credit borrowers.<\/p><p>You can also look into getting a cosigner for your car loan. Having a cosigner's income and credit score on your car loan application could potentially improve your chances of getting approved for financing (assuming his or her income and credit score are better than yours).<\/p><p>Learn more about your options in our guide to <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\" target=\"_blank\" rel=\"noopener noreferrer\">getting a car loan when you have bad credit<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How can I avoid pushy salespeople at the dealership?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you want to buy a car from a dealership but hate the negotiation process, you might want to consider using a car-buying service. Car concierges and car brokers will shop for you and negotiate a deal on your behalf. You can learn more with our <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/car-buying-services\">guide to car-buying services<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Should I buy or lease a car?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Leasing typically comes with lower monthly payments than a car loan, but you pay to use the vehicle rather than own it. It also means you get to drive new-model vehicles and you may have the option to buy the car at the end of the lease.<\/p><p>On the other hand, buying a car costs more, but you get to own the car and use it how you want. The vehicle is also an asset you can sell or trade-in when you want to upgrade to a new car in the future.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">When is the best time to buy a car?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The best time to buy a car in Canada is generally considered to be toward the end of the year when dealers have year-end sales. With new models arriving on showroom floors, dealers are often willing to lower their prices on current models.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I buy a car from another province?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can. However, be aware that buying from out of province makes it difficult (and potentially expensive) to inspect the vehicle before you buy. You'll also need to make sure you abide by all regulations for importing a vehicle into your home province. For example, the vehicle may need to pass an inspection before it can be registered in your province. Check out our guide to <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/interprovincial-car-purchase\">buying a vehicle out of province<\/a> for more information.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000005\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000005\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><style>\n  \/* Modal Container *\/\n  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