Calculate by State >  Colorado 

Car Loan Calculator Detailed for Colorado

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How are car loans in Colorado calculated?

Colorado 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 Colorado.

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.

Principal vs Interest

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Cost Breakdown

Tax
Colorado car tax is $ at % based on an amount of $ combined from the sale price of $ plus the doc fee of $ minus the trade-in value of $.

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

Use the Colorado state fee estimator under "Vehicle Services" 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

Prepaid maintenance plans, extended warranties, and GAP insurance are not taxed in Colorado 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 $599 in Colorado but may differ as there is no maximum set by the state.

EV surcharges are levied to offset declining fuel tax revenue. Add $50 to the DMV fees for electric vehicles.

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