Car Loan Calculator Detailed for Washington

Calculate by State >  Washington 

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 $.

DOL fees are about $ on a $ vehicle based on a flat fees that fluctuate depending on vehicle weight plus a 1.1% RTA fee based on a depreciating percentage of the value.

View the Washington state resources below to verify your registration cost, and use our DOL Override to adjust the calculator.

RTA Breakdown   |   Fee Schedule

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How are car loans in Washington calculated?

Washington includes the sale price and the doc fee 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 Washington.

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

Consumer Advice

Prepaid maintenance plans, extended warranties, and GAP insurance are not taxed in Washington 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 expect it on the purchase agreement. The customary doc fee of $150 is the maximum allowed by the State of Washington.

EV surcharges are levied to offset declining fuel tax revenue. Include an additional $150 to the DOL 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 depending on vehicle type and weight. Our required dealer documentation fee is $.

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