Car Loan Calculator Detailed for Montana

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How are car loans in Montana calculated?

Montana is one of a few states where you may calculate an auto loan with no sales tax.

However, there is a "County Option" charge plus a 3% "Administrative Fee" that must be paid during vehicle registration.

The "County Option" is based on a percentage of the sale price.

The 3% Admin is a fee charged on the other fees. For example, if your standard fees equal $300, then you owe $309.

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Is Montana's car registration more costly than other states?

Yes. But even with hefty registration fees, it costs considerably less to finalize ownership in Montana compared to states with sales tax.

For example, in our calculation, the average USA car tax rate of 6.15% would increase the amount financed by $.

Montana MVD fees are about $ on a $ vehicle based on a $217 reg fee plus admin fees that fluctuate by vehicle age and owner location.

View the Montana state fee schedule to verify your registration fees, and use MVD Override to adjust the calculator.

Consumer Advice

Prepaid maintenance plans are not taxed in Montana 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 $299 in Montana but may differ because there is no maximum set by the state.

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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