Free New Brunswick Used Car Bill of Sale
New Brunswick gives used-car buyers a tax honesty other provinces dropped: the 15% HST applies to the ACTUAL declared price — no wholesale-value floor — so the price you negotiate is genuinely the price you're taxed on. The trade-off is that Service New Brunswick relies on the declaration, so lowballing invites scrutiny; write the real number. No mandatory inspection applies to standard private sales, putting the usual toolkit in charge: NB PPSA lien search, CARFAX Canada, commissioned inspection, and an odometer check against the vehicle's Maritime service trail.
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New Brunswick Used Car Bill of Sale — What You Need to Know
Tax Details
NB's used-car tax mathematics are refreshingly literal: 15% HST on the price actually paid — the province accepts the declared figure without a book-value override, so a true bargain is taxed as a bargain.
Exemption: Family used-car handoffs (spouse, child, parent, sibling) go HST-free with the sworn statutory declaration Service NB prescribes.
Inspection Requirements
No mandatory inspection covers a used-car purchase between NB residents — private due diligence is the buyer's only screen. Rebuilt, salvage-titled and out-of-province cars are the exceptions that do get inspected.
New Brunswick Used Car Sale — Step-by-Step Checklist
- Record the true price — NB taxes the actual declaration, which is a privilege worth protecting.
- Run the NB PPSA lien search on the VIN.
- Commission a mechanical inspection — no provincial one applies to standard private sales.
- Pull a CARFAX Canada report — Maritime vehicles circulate across three provinces routinely.
- Complete the transfer at Service New Brunswick.
Common Pitfalls
- Abusing the no-floor rule with a fantasy price — declarations that defy market value invite reassessment.
- Assuming an inspection regime exists — standard NB private sales carry none; your inspector is the only one.
- Skipping the lien search because the deal is cheap.
- Ignoring salt-belt rust on a coastal vehicle.
Pro Tip
New Brunswick used cars: real price, real tax, no floor — and no inspection either, so bring your own.