---
title: "Estimated monthly payment including Canadian vehicle taxes"
method: GET
path: "/v1/payment"
---

# Estimated monthly payment including Canadian vehicle taxes

`GET /v1/payment`

## Request

- Base URL: `https://api.omniaauto.ca`
- URL: `https://api.omniaauto.ca/v1/payment`
- Auth: HTTP bearer

Financing arithmetic plus provincial vehicle tax for one transaction. Pass `price` and `province`, or a `vin` from our data and we fill both in.

**The interest rate is always an input.** There is no public source for Canadian auto-loan APRs — the Bank of Canada publishes policy and prime only, and we hold no finance data — so we never imply we know a buyer's rate. Supply `apr`, or name a `rate_source` from `/v1/payment/rates`. Every response echoes `rate_source` naming who answered, so a future lender feed becomes a new source rather than a breaking change.

**Everything here is an estimate, not tax advice.** Provincial vehicle tax is not one rate: Alberta charges GST only; Ontario charges HST at a dealer but 13% RST on the greater of price or wholesale value on a private sale; British Columbia runs six luxury brackets with different private-sale rules; Quebec stacks QST on GST. The federal luxury tax applies above CA$100,000 on new vehicles. The table is versioned — `taxes.as_of` is the date it was last reviewed.

## Query parameters

- `price` number
- `vin` string
- `province` string
- `apr` number
- `rate_source` string
- `rate_spread` number
- `term_months` integer
- `down_payment` number
- `trade_in` number
- `fees` number
- `sale_type` 'dealer' | 'private'
- `condition` string

## Response `200`

`taxes` with every line itemised, the taxable amount, the table's `as_of` date, the source and province-specific notes; `rate` with the APR and the `rate_source` that supplied it; `financing` with the amount financed, monthly payment, total paid and total interest; `total_cost`; and a disclaimer.

## Other responses

- `400`: Missing price/province, an unknown province, or no rate supplied
- `404`: `vin` matched no live listing

---

[API](https://skmtc.dev/omniaauto/apis/omniaauto-canadian-vehicle-listings-api.md) · [All operations](https://skmtc.dev/omniaauto/apis/omniaauto-canadian-vehicle-listings-api/llms.txt) · [OpenAPI document](https://skmtc.dev/omniaauto/apis/omniaauto-canadian-vehicle-listings-api/revisions/f46ac0dabe3d?raw)