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Car Loan Calculator Detailed for California

Days to First Payment:

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How are car loans in California calculated?

California charges sales tax during auto loans on the full sale price plus the dealer doc fee without credit for trade-in vehicles nor rebates.

However, GAP insurance, extended warranties, and prepaid maintenance plans are not included in the taxable amount of the auto loan.

Therefore, car buyers get a tax break on prepaid service plans in California.

Principal vs Interest

Cost Breakdown

Tax
California car tax is $ at % based on an amount of $ combined from the sale price of $ plus the doc fee of $.

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.

DMV
California registration fees are about $ on a $ vehicle based on a percentage of the vehicle’s value.

View the California state fee estimator to verify your registration cost, and use our DMV Override to adjust the calculator.

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All data based on your calculation.

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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 $.

Adjust quote numbers in calculator.

Consumer Notes

The documentation fee is set by the dealer, but is not negotiable so expect to see it on the contract. The customary doc fee of $85 is the maximum allowed by the State of California.

EV surcharges are levied to offset declining fuel tax revenue. Add $100 to the DMV fees for electric vehicles.

Prepaid maintenance can be included on the warranty line of the auto loan calculator for accurate handling.

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