Car Loan Calculator Detailed for Indiana

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Calculate by State >  Indiana 

How are car loans in Indiana calculated?

Indiana includes extended warranties and doc fees in the taxable amount of an auto loan but does not include the trade-in value.

Therefore, car buyers get a tax break for trade-in vehicles in Indiana.

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Cost Breakdown

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

BMV registration and title fees are about $ on a $ vehicle based on a flat fee that fluctuates depending on vehicle value and usage.

View the Indiana state fee estimator to verify your exact registration cost, and use the BMV Override to adjust the auto loan calculator.

Consumer Advice

The documentation fee is set by the dealer, but is not negotiable so clarify upfront what the dealer charges. The customary doc fee is $199 in Indiana but may differ as there is no maximum set by the state.

Prepaid maintenance is taxable in Indiana and can be included on the warranty line of the calculator for accurate handling. The gap insurance charge of $ is not taxed.

EV surcharges are levied to offset declining fuel tax revenue. Add $150 to the BMV fees for electric vehicles and $50 for hybrids.

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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