Car Loan Calculator Detailed for Alabama

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Calculate by State >  Alabama 

How are car loans in Alabama calculated?

Alabama includes the sale price and the doc fee in the taxable amount of an auto loan but does not include the trade-in value.

Therefore, car buyers get a tax break on trade-in vehicles in Alabama.

The exact tax rate may vary for your location. See our manual car tax calculator, and use the override option to fine tune your auto loan quote.

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Cost Breakdown

In our calculation, the taxable amount is $ which equals the sale price of $ plus the doc fee of $ minus the trade-in value of $.

MVD fees are about $ on a $ vehicle based on $91 for registration and titling plus $ for "Ad Valorem" based on a percentage of the vehicle’s value.

View this Alabama state fee breakdown to verify the total registration cost for your location, and use our MVD Override to adjust the loan calculator.

Consumer Advice

Prepaid maintenance plans, extended warranties, and GAP insurance are not taxed in Alabama and provide considerable savings over paying down the road. You can include maintenance on the warranty line of the calculator for accurate handling.

The documentation fee is set by the dealer, but is not negotiable so clarify upfront what the dealer charges. The customary doc fee is $485 in Alabama but may differ as there is no maximum set by the state.

Dealer Quote

Thank you for considering our dealership for your new vehicle! I can offer you a net price of $ which equals the dealer sale price of $ minus the factory rebate of $.

I can purchase your trade vehicle for $, payoff your loan up to $, and apply the balance of $ to this purchase. The estimated tax and registration combined is $, but this may vary based on your location. Our required dealer documentation fee is $.

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