Calculate by State >  Florida 

Car Loan Calculator Detailed for Florida

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How are car loans in Florida calculated?

Florida includes the sale price, doc fee, extended warranty, and prepaid service 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 Florida.

Principal vs Interest

Verbal Equation

Principal vs Interest

Tax vs Tags

Cost Breakdown

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

The state tax rate is 6%, but the total tax must include a county surtax ranging from 1/2% to 2% levied upon a maximum of $5000 of the taxable value.

Some counties do not charge the surtax.

Select your location to view your amount, and see our car tax calculator for more details.

Tags
Florida DMV fees are about $ on a $ vehicle based on a flat fee that fluctuates depending on vehicle usage and weight.

View the Florida 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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Verbal Equation

The net price of $ equals the sale price of $ minus the rebate of $. The trade‑in vehicle value is $, and after a trade‑in loan payoff of $, the balance of $ applies to the vehicle purchase.

The estimated tax and registration combined is $, but this may vary based on vehicle type and intended usage. The documentation fee is $.

Adjust numbers in calculator.

Notes

GAP insurance is not taxed in Florida.

You can include maintenance on the warranty line of the calculator for accurate tax 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 $799 in Florida but may differ as there is no maximum set by the state.

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