what fees should i expect to pay on a new car?

[Qwest905]

hi i'm looking to purchase a car,

i'm curious what additional fees should i expect to pay if i'm going to finance a car through the dealer.
what other fees are there besides freight and PDI.

do you know how much the other fees may be as well?


thanks in advance

[Jucius Maximus]

GST
PST
Plates
Registration
Admin Fee (which is a bogus fee to make more profit)

Financing itself is a fee. Even if it's "0%", all that means is that the finance cost is built into the sticker price.

[bythehour]

Also:

Air con tax

Tire tax (?)

Depending on the car, a green rebate or a fuel hog levy

[D-3vil]

I've never paid admin fees, and they can be taken off the bill.
Gas tax might also be added (this is basically the dealership delivering your car with a full tank of gas).
Security fee is also a ripoff, and you can usually get out of paying it (usually implies VIN etching on the windows, which is done from factory).

[macnut]

... what additional fees should i expect to pay if i'm going to finance a car through the dealer.

Canada-wide:
A/C levy $100
GST

varies by province:
Lien registration fee (for financing), say $40
Tire levy $20
Battery levy $5
PST

varies by dealer:
Admin fee say $0 - almost no upper limit
loan insurance "no thanks"
extended warranty "no thanks"
extras of doubtful value "no thanks"

[James604]

hi i'm looking to purchase a car,

i'm curious what additional fees should i expect to pay if i'm going to finance a car through the dealer.
what other fees are there besides freight and PDI.

do you know how much the other fees may be as well?


thanks in advance

The fees associated with not only financing, but buying direct from the dealer are over the top. I made the mistake of financing a Ford F250 HD last year direct from the dealer, had to sell it last month for a monster loss. It'll be the first and last time I buy direct from the dealer, if you can help it look for a pre-owned private sale w/o financing (rates may be low but it hurts borrowing for a depreciating asset like a vehicle)!

[Qwest905]

I've never paid admin fees, and they can be taken off the bill.
Gas tax might also be added (this is basically the dealership delivering your car with a full tank of gas).
Security fee is also a ripoff, and you can usually get out of paying it (usually implies VIN etching on the windows, which is done from factory).

thanks everyone for helping me out

so the windows etching fee i should try negotiating out of the price??

[mystery]

Don't forget freight/PDI.

[Ebtek]

lol @ admin fee of $399 (on the car i recently purchased)

was told it was for the etching of a code in the windows in case the car's stolen.

yea, they can keep that

[D-3vil]

thanks everyone for helping me out

so the windows etching fee i should try negotiating out of the price??

what car are you looking at?
I helped a friend recently purchase a Mazda 3 and she got it for 2% above invoice. No iffy fees either.

You can usually price your car online (on the manufacturer's website) and choose to include all fees. That will help you differentiate between the fees that have to be paid, and the ones that are added by the dealership.

I also recommend getting a Ccc or APA report for your car, so you know whether you're paying a fair price or not.

[Qwest905]

the car i am looking at is a 09 mitsibuishi lancer GT

i have a car cost canada report, the msrp is 21,998 while the CCC report says 20,798

i find that $1200 seems a bit too low for negotiation room =X

or is that about right

[gimmegimme]

There's also a $5 OMVIC fee that dealers are required to pay to OMVIC for every car sold. They will likely try to pass that fee on to the customer.

[Karbaum]

There's also a $5 OMVIC fee that dealers are required to pay to OMVIC for every car sold. They will likely try to pass that fee on to the customer.

I just found this part funny. OMVIC is designed for the benefit of the consumer. It's a extraordinarily strict set of rules and guidelines to prevent the consumer from getting ripped off when purchasing a car.

[HP_John]

Financing itself is a fee. Even if it's "0%", all that means is that the finance cost is built into the sticker price.

I respectfully disagree. If the manufacturer sets interest rates & MSRP at the start of a new model yr, even if the interest rates change, the MSRP stays the same. Say the car starts at 5% interest & a $20 K MSRP, a few months later it becomes 0% interest but the MSRP is still $20 K, that represents real savings.

[D-3vil]

I respectfully disagree. If the manufacturer sets interest rates & MSRP at the start of a new model yr, even if the interest rates change, the MSRP stays the same. Say the car starts at 5% interest & a $20 K MSRP, a few months later it becomes 0% interest but the MSRP is still $20 K, that represents real savings.

I believe what he meant is, if the manufacturer is offering a cash purchase discount, then you're effectively not financing the car at 0%, and you're actually paying interest on the cash value of the car.

[D-3vil]

the car i am looking at is a 09 mitsibuishi lancer GT

i have a car cost canada report, the msrp is 21,998 while the CCC report says 20,798

i find that $1200 seems a bit too low for negotiation room =X

or is that about right

well, with that attitude you won't be able to negotiate much off the price of the car :).

I would start by contacting the dealer referred to you by CCC. They will provide you with a complete quote, based on the report, and should not include any of the dealer profit fees mentioned here. Then feel free to contact other dealerships to see if they'd be willing to sell for less.

[out there]

Are both PST and GST applied to Freight & PDI, or just GST? Thanks.

[macnut]

Are both PST and GST applied to Freight & PDI, or just GST? Thanks.

Both. It's part of the total cost of the vehicle.

[redac]

thanks everyone for helping me out

so the windows etching fee i should try negotiating out of the price??

Don't pay for etching.