Does a purchase-money security interest have the same perfection deadline for consumer goods as equipment?

Not necessarily. Ontario's Personal Property Security Act generally treats different categories of collateral differently when it comes to the specific timing rules for preserving a purchase-money security interest's special priority, and consumer goods are generally approached differently than equipment used in a business or inventory held for resale. Rather than assume the same timing rule that applies to one category automatically applies to another, a lender or supplier relying on PMSI financing should confirm the specific requirements that apply to the actual type of collateral involved.

Because the exact timing windows involved can vary by collateral category and change over time, this isn't the kind of detail worth relying on a general rule of thumb for. The safer practical approach, regardless of which category applies, is to register the financing statement promptly — at or before the time the debtor takes possession of the goods — rather than trying to calculate how much grace period might technically be available. Waiting until close to any deadline, even one confirmed for a specific collateral category, adds risk if there's any dispute later about exactly when possession occurred. If PMSI financing is a regular part of your business, build prompt registration into your standard process rather than treating it as a formality to catch up on later.