Car loans in New Brunswick, whatever your credit

The sticker is gone, but the inspection isn't

As of April 1, 2026, New Brunswick no longer issues or requires a registration sticker on your windshield. You still renew your registration on the usual schedule; police now confirm it electronically instead of glancing at a decal, so an expired registration is exactly as much of a problem as it always was.

The transfer of registration still hinges on inspection. Service New Brunswick will not put a used car in your name without a valid certificate of inspection. Once a personal passenger vehicle has passed, it is only due back every two years, which is a real break from provinces that still want you in a bay every twelve months.

Buying a vehicle that was registered in another province? It has 14 days from the date it's registered in New Brunswick to pass an inspection here. Line that up right away, because the clock starts at registration, not at delivery.

What you owe the province, and when an out-of-province plate doesn't save you tax

Buy from a dealer anywhere in Canada and the tax is straightforward: 15 percent HST, collected by the dealer at the sale. You pay it once, it's built into what the dealer charges, and Service New Brunswick doesn't revisit it at registration.

Buy privately and the rules change. New Brunswick's Provincial Vehicle Tax, also 15 percent, applies to a vehicle bought privately here in the province, and it follows you home if you buy privately in Nova Scotia, Ontario, or anywhere else in Canada and bring the vehicle into New Brunswick to use. It does not apply if you bought from a GST or HST registrant, meaning a dealer, since that sale was already taxed once.

The Revenue Administration Division of Finance and Treasury Board assesses the PVT on the vehicle's fair value, not simply the number written on the bill of sale, and publishes a bulletin on how it gets there. A handful of situations are exempt: a gift between family members, moving your own vehicle here to set up residence in New Brunswick, an inheritance, and a purchase by a Status First Nations buyer.

The lenders actually writing New Brunswick approvals

New Brunswick files are covered by two different kinds of lender, and the difference matters more than which one happens to be biggest. Some are bank-owned dealer-finance arms: they lend the way a bank does, with a tighter age and mileage window on the vehicle and a preference for a clean recent history, but the approval still reports to the credit bureaus as a bank loan. Others are dedicated auto finance companies, built to read a file a bank branch would decline, with more room for a past bankruptcy, a collection, or a repossession once income is steady again.

Reach varies too. Several of the lenders that cover New Brunswick lend the same way from coast to coast, so a file here gets the identical program a buyer anywhere else in Canada would use. National Bank is narrower by design: it finances through dealers only in Ontario, Quebec, and New Brunswick, which puts this province inside its core territory rather than an afterthought bolted onto a national program. We read your income and history against what each lender is actually built to approve before presenting your file, rather than assuming coverage on paper means an approval in practice. The lenders that cover New Brunswick are listed below.

Getting the car from the lot to your driveway in Moncton, Saint John, or Fredericton

Route 2, the Trans-Canada, is the spine connecting Moncton, Saint John, and Fredericton, and most of the vehicles we place travel some part of it before they reach you. If the right car for your approval happens to be sitting outside New Brunswick, delivery to your driveway is arranged as part of the deal, not left for you to sort out after you sign.

The delivery cost is quoted before you sign anything, so you know exactly what you're agreeing to. If you would rather not pay it up front, it can be built into the amount you finance instead. It is never free, and we will not tell you otherwise; we just make sure you see the number before the paperwork, not after.