Calculate by State >  Massachusetts 

Car Loan Calculator Detailed for Massachusetts

Days to First Payment:

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How are car loans in Massachusetts calculated?

Massachusetts includes the sale price and the doc fee 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 Massachusetts.

Principal vs Interest

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Principal vs Interest

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Cost Breakdown

Tax
Massachusetts 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 $ minus the rebate of $.

Tags
Massachusetts RMV fees are about $ on a $ vehicle based on a $75 title fee plus a $85 registration fee plus a yearly excise fee that varies by vehicle age and value.

View the Massachusetts state registration fee schedule and their yearly excise calculation to verify your exact amount, and use the RMV 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 vehicle age and value. Our required dealer documentation fee is $.

Adjust quote numbers in calculator.

Consumer Notes

Prepaid maintenance plans are not taxed in Massachusetts and provide considerable savings over paying down the road. 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 $399 in Massachusetts but may differ because there is no maximum set by the state.

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