State: Tennessee

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How are car loans in Tennessee calculated?

Tennessee includes extended warranties and doc fees in the taxable amount of an auto loan but does not include the trade-in value.

You May Also Like

• TN Car Tax Calculator
• TN Registration Calculator

Tennessee car buyers get a tax break for trade-in vehicles.

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

See credit union interest rates for APR.

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Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
Tennessee 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 $.

For exact details, view our Tennessee Car Tax Calculator.

Tags
Tennessee DMV fees are about $ on a $ vehicle based on a combination of flat fees that vary by county.

Research tag fees by county, and use our DMV Override to adjust the calculator.

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All data based on your calculation.

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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 determined by the dealer, but is not negotiable so expect it on your buyer's order. The customary doc fee of $499 may vary because there is no maximum set by the State of Tennessee.

Prepaid maintenance is taxable in Tennessee and can be included on the warranty line of the calculator for accurate handling. The gap insurance charge of $ is not taxed.

EV surcharges are levied to offset declining fuel tax revenue. Add $100 to the DMV fees for electric vehicles.

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