State: West Virginia

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How a WV car loan calculator adds tax:

West Virginia excludes the trade-in value from the taxable amount of a car loan but includes the dealer document fee.

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WV car buyers get a tax break on trade-in vehicles.

Principal vs Interest

Tax vs Tags

Verbal Equation

See credit union interest rates for APR.

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Principal vs Interest

Tax vs Tags

Cost Breakdown

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

Tags
WV DMV fees are about $ on a $ vehicle based on $51.50 registration that varies by vehicle weight and location, plus title fees.

EV surcharges are levied to offset declining fuel tax revenue. Add $200 to the DMV fees for electric vehicles and $100 for hybrids.

View the West Virginia fee schedule to verify registration cost, and use the Tag Override to adjust the calculator.

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All data based on your calculation.

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Verbal Equation

A car payment with West Virginia tax, title, and license included is $ at % APR for months on a loan amount of $.

The payment is based on a net vehicle price of $, plus WV state fees, plus extended warranties. The net price comes from the sale price of $ minus the rebate of $.

The payment of tax and tags combined is $, but this may vary depending on vehicle type and intended usage.

The trade vehicle value is $, and after a trade loan payoff of $, the equity of $ applies to the vehicle purchase.

The documentation fee is $.

Adjust numbers in calculator.

Notes

Prepaid maintenance plans, extended warranties, and GAP insurance are not taxed in West Virginia and provide considerable savings over paying down the road.

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 sales contract. The customary doc fee of $575 is maximum allowed by the State of West Virginia.

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