Estimate your monthly payment for any Mercury outboard in Canadian dollars. Tiered rates of 8.99% APR under $10,000 and 7.99% APR over $10,000, with terms up to 144 months through DealerPlan. Minimum financed amount $5,000.
Short answer
Estimate your Mercury outboard payment in CAD. The current Always-On promotional rate is 5.48% APR through December 31, 2026 OAC through DealerPlan. After the promo, rates revert to 8.99% under $10,000 and 7.99% over $10,000. Minimum financed is $5,000, terms up to 144 months.
How the math works
Amount financed equals motor and rigging total, plus tax, plus the $349 DealerPlan fee, minus down payment, minus trade-in credit. Monthly payment is the standard amortization at the rate and term you pick.
Example monthly payments at 5.48% APR (Always-On promo)
| Amount financed | 60 months | 84 months | 120 months | 144 months |
|---|
| $10,000 | $191 | $144 | $108 | $95 |
| $15,000 | $286 | $216 | $162 | $143 |
| $20,000 | $381 | $288 | $216 | $190 |
| $25,000 | $477 | $359 | $270 | $238 |
| $30,000 | $572 | $431 | $324 | $285 |
| $35,000 | $667 | $503 | $378 | $333 |
Frequently asked questions
- What is the current Mercury financing rate?
- The headline Always-On rate is 5.48% APR through December 31, 2026 OAC, available on qualifying Mercury outboard purchases through DealerPlan. After December 31, 2026 the rate reverts to the standard tier of 8.99% APR under $10,000 and 7.99% APR over $10,000.
- What is the minimum financed amount?
- $5,000 CAD. Anything under that has to be paid by debit, credit card, or e-transfer.
- What is the longest term?
- Up to 144 months on qualifying Mercury outboard repowers OAC. Most customers pick 60 to 120 months depending on payment comfort.
- Are there fees?
- A $349 DealerPlan administration fee applies and is added after tax. It is shown on the quote before you sign.
- Can I pay it off early?
- Yes. DealerPlan loans are open, no prepayment penalty. Most customers prepay extra in tax-refund season or after a bonus.
- Does the trade-in reduce what I finance?
- Yes. Trade-in credit is applied to the motor subtotal before financing. The amount financed equals motor and rigging total, plus tax and the $349 fee, minus down payment and trade-in credit.
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