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1. Co-Signer Provisions: Required when there is a co-signer for the loan, detailing their obligations and liability

2. Trade-in Details: Include when there is a vehicle trade-in as part of the purchase transaction

3. Pre-payment Terms: Optional detailed section about pre-payment rights and any associated penalties or calculations

4. Electronic Communication Consent: Required when parties agree to receive notices and documents electronically

5. Assignment Rights: Include when the lender wishes to reserve the right to assign or sell the loan

6. Privacy Policy: Detailed privacy terms when extensive personal information handling is involved

7. Language Choice: Required in Quebec to acknowledge language choice for the agreement

1. Schedule A - Payment Schedule: Detailed amortization schedule showing all payments, interest, and principal allocations

2. Schedule B - Vehicle Condition Report: Detailed description of vehicle condition at time of loan including photographs and inspection report

3. Schedule C - Insurance Requirements: Detailed specification of required insurance coverage types and amounts

4. Schedule D - Cost of Borrowing Disclosure: Mandatory disclosure of all charges, fees, and interest as required by provincial regulations

5. Appendix 1 - Vehicle Registration: Copy of vehicle registration documents

6. Appendix 2 - Insurance Certificates: Copies of insurance documentation showing required coverage