Car Loan Calculator Detailed for Kentucky

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How are car loans in Kentucky calculated?

Kentucky includes extended warranties and doc fees in the taxable amount of an auto loan but does not include the trade-in value nor the rebate.

Therefore, car buyers get a tax break on trade-in vehicles and rebates in Kentucky.

Principal vs Interest

Verbal Equation

Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
Kentucky car tax is $ at % based on an amount of $ combined from the sale price of $ plus the doc fee of $ plus the extended warranty cost of $ minus the trade-in value of $ minus the rebate of $. The percentage paid is labled a "Usage Tax."

Get more info on our car tax page.

Tags
Kentucky DMV fees are about $ on a $ vehicle based on a $21 registration fee plus a $39 title fee plus a yearly property tax that varies by county.

View the Kentucky state and local ad valorem fee schedule to verify your exact amount, and use the DMV Override to adjust the calculator.

Get more tag info on our DMV cost page.

All data based on your calculation.

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

Prepaid maintenance plans are also taxed in Kentucky and may be added to 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 $475 in Kentucky but may differ because there is no maximum set by the state.

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Car Loan Calculator Detailed for Kentucky

Principal vs Interest

Tax vs Tags

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