Car Loan Calculator Detailed for Oregon

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How are car loans in Oregon calculated?

Oregon 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 factory rebate.

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

The tax rate may vary for your vehicle. See our manual car tax calculator, and use the override option to fine tune your auto loan quote.

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Cost Breakdown

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

DMV fees are about $ on a $ vehicle based on a flat fee that fluctuates depending on vehicle location and fuel efficiency.

View the Oregon state fee schedule to verify your registration cost, and use our DMV Override to adjust the calculator.

Consumer Advice

Prepaid maintenance plans, extended warranties, and GAP insurance are not taxed in Oregon and provide considerable savings over paying down the road. You can 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 of $150 is the maximum allowed by the State of Oregon.

EV surcharges are levied to offset declining fuel tax revenue. Add $110 to the DMV fees for electric vehicles.

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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