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In Ontario, HST applies to the full purchase price regardless of trade-in. In BC and Saskatchewan, the provincial portion of tax may be calculated after deducting the trade-in. In the USA, most states calculate tax on the net price after trade-in credit — a meaningful saving. Confirm with your dealer for your specific province/state.

Compare the APR carefully. Dealers often offer 0% promotional rates from the manufacturer — these are genuinely good deals if your credit qualifies. Otherwise, get pre-approved at your bank or credit union before visiting the dealer. Having pre-approval gives you negotiating power and ensures you know the rate you actually qualify for.