Loan Guides
These guides explain how a type of loan works in Canada: who it is for, what it can cost and what to compare before signing. Search by name, or narrow the list with the filters.
Sphera Credit is a technology and marketing platform and is not involved in any lending or brokering activity of any kind. We do not assess creditworthiness, originate loans, or take part in any lender's decision.
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Bridge Loans in Quebec
Quebec transfer duty runs 0.5% to 1.5% by bracket in 2026, and municipalities may add up to 3% above $500,000.
Auto Loans in Alberta
With no provincial sales tax, an Alberta buyer saves $3,200 to $4,000 against Ontario or the Atlantic provinces.
Auto Loans in British Columbia
BC buyers pay 12% combined PST and GST, about $4,800 on a $40,000 vehicle against $2,000 in Alberta.
Auto Loans in Manitoba
Manitoba charges 7% RST plus GST, and fees added after pricing may breach the Business Practices Act.
Auto Loans in New Brunswick
New Brunswick's 15% HST adds $5,250 on a $35,000 vehicle, against $1,750 in GST-only Alberta.
Auto Loans in Nova Scotia
Nova Scotia's HST fell to 14% on April 1, 2025, trimming the tax financed into a vehicle purchase.
Auto Loans in Ontario
Ontario adds 13% HST at the dealership, $5,200 on a $40,000 vehicle, financed alongside the balance.
Auto Loans in Quebec
Quebec's legal warranty of good working order covers a dealer-sold used vehicle 6 months or 10,000 km.
Bad Credit Loans in Saskatchewan
Saskatchewan's FCAA enforces a written statement of total borrowing cost before any agreement is signed.
Auto Loans in Saskatchewan
Every Saskatchewan dealer posts a surety bond and owes set warranty protections on used vehicles.
Bridge Loans in Saskatchewan
Every Saskatchewan mortgage brokerage licenses with the FCAA and names a principal broker for compliance.
Business Loans in Saskatchewan
Saskatchewan's 80,000 small businesses operate under some of the lowest business tax rates in Canada.