Car Loan Calculator Detailed for South Dakota

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How are car loans in South Dakota calculated?

South Dakota includes extended warranties, maintenance plans, 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 on trade-in vehicles in South Dakota.

Principal vs Interest

Tax vs Tags

Verbal Equation

Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
South Dakota 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 $.

Tags
South Dakota DMV fees are about $ on a $ vehicle based on a $75.60 license fee plus titling, lien filing, wheel taxes, and other fees that may vary depending on usage and location.

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

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

The documentation fee is set by the dealer, but is not negotiable so clarify upfront what the dealer charges. The customary doc fee is $149 in South Dakota but may differ as there is no maximum set by the state.

Prepaid maintenance is taxable in South Dakota and can be included on the warranty line of the calculator for accurate handling.

The GAP charge of $ is not taxable in South Dakota.

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Car Loan Calculator Detailed for South Dakota

Principal vs Interest

Tax vs Tags

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