State: Washington

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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.

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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.

See credit union interest rates for APR.

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Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
Washington car tax is $ at % based on an amount of $ combined from the sale price of $ plus the doc fee of $ minus the trade-in value of $.

Tags
Washington 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.

EV surcharges are levied to offset declining fuel tax revenue. Include an additional $150 to the DOL fees for electric vehicles.

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

RTA Calculator   |   Fee Schedule

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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

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.

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