Car Loan Calculator

Colorado Auto Loan Calculator

Your monthly payment and total cost for a car bought in Colorado, with the 2.9% state tax and Colorado's trade-in rules already filled in.

What do you know?
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The negotiated price of the vehicle before rebates, taxes and fees.

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Get pre-approved by a bank or credit union to know your real rate before visiting the dealer.

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Manufacturer or dealer cash back. Some states tax the price before the rebate; pick your state to apply its rule.

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What the dealer will give you for your current car.

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Your current loan balance. If it is more than the trade-in value, the difference gets added to the new loan.

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Picking a state fills in the state rate. Add your county or city rate on top for a closer estimate.

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Doc fee, title, registration, plates and destination charge. Ask the dealer for an out-the-door price to see them all.

Monthly payment

$636.19

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$32,515
Sales tax
$1,015
Due at signing
$5,000
Total of payments
$38,172
Total interest
$5,657
Total cost of the car
$43,172
Car (after rebates): $35,000Interest: $5,657Tax & fees: $2,515
  • Car (after rebates)$35,00081%
  • Interest$5,65713%
  • Tax & fees$2,5156%

Compare loan terms

Same car, same rate. Longer loans lower the payment but raise the total you pay.

TermMonthlyInterestTotal cost
36 mo (3 yr) $996.55 $3,361 $40,876
48 mo (4 yr) $771.09 $4,497 $42,012
60 mo (5 yr) $636.19 $5,657 $43,172
72 mo (6 yr) $546.57 $6,838 $44,353
84 mo (7 yr) $482.83 $8,043 $45,558

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,634.32$5,688.33$1,945.99$26,826.67
2$7,634.32$6,069.28$1,565.04$20,757.39
3$7,634.32$6,475.75$1,158.56$14,281.64
4$7,634.32$6,909.45$724.87$7,372.19
5$7,634.32$7,372.19$262.13$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$636.19$460.07$176.12$32,054.93
2$636.19$462.56$173.63$31,592.37
3$636.19$465.07$171.13$31,127.30
4$636.19$467.59$168.61$30,659.71
5$636.19$470.12$166.07$30,189.59
6$636.19$472.67$163.53$29,716.93
7$636.19$475.23$160.97$29,241.70
8$636.19$477.80$158.39$28,763.90
9$636.19$480.39$155.80$28,283.51
10$636.19$482.99$153.20$27,800.52
11$636.19$485.61$150.59$27,314.91
12$636.19$488.24$147.96$26,826.67
13$636.19$490.88$145.31$26,335.79
14$636.19$493.54$142.65$25,842.25
15$636.19$496.21$139.98$25,346.04
16$636.19$498.90$137.29$24,847.13
17$636.19$501.60$134.59$24,345.53
18$636.19$504.32$131.87$23,841.21
19$636.19$507.05$129.14$23,334.15
20$636.19$509.80$126.39$22,824.35
21$636.19$512.56$123.63$22,311.79
22$636.19$515.34$120.86$21,796.46
23$636.19$518.13$118.06$21,278.33
24$636.19$520.94$115.26$20,757.39
25$636.19$523.76$112.44$20,233.63
26$636.19$526.59$109.60$19,707.04
27$636.19$529.45$106.75$19,177.59
28$636.19$532.31$103.88$18,645.28
29$636.19$535.20$101.00$18,110.08
30$636.19$538.10$98.10$17,571.98
31$636.19$541.01$95.18$17,030.97
32$636.19$543.94$92.25$16,487.03
33$636.19$546.89$89.30$15,940.14
34$636.19$549.85$86.34$15,390.29
35$636.19$552.83$83.36$14,837.46
36$636.19$555.82$80.37$14,281.64
37$636.19$558.83$77.36$13,722.80
38$636.19$561.86$74.33$13,160.94
39$636.19$564.90$71.29$12,596.03
40$636.19$567.96$68.23$12,028.07
41$636.19$571.04$65.15$11,457.03
42$636.19$574.13$62.06$10,882.89
43$636.19$577.24$58.95$10,305.65
44$636.19$580.37$55.82$9,725.28
45$636.19$583.51$52.68$9,141.76
46$636.19$586.68$49.52$8,555.09
47$636.19$589.85$46.34$7,965.24
48$636.19$593.05$43.15$7,372.19
49$636.19$596.26$39.93$6,775.93
50$636.19$599.49$36.70$6,176.44
51$636.19$602.74$33.46$5,573.70
52$636.19$606.00$30.19$4,967.70
53$636.19$609.28$26.91$4,358.41
54$636.19$612.59$23.61$3,745.83
55$636.19$615.90$20.29$3,129.92
56$636.19$619.24$16.95$2,510.68
57$636.19$622.59$13.60$1,888.09
58$636.19$625.97$10.23$1,262.12
59$636.19$629.36$6.84$632.77
60$636.19$632.77$3.43$0.00

How Colorado taxes car purchases

State vehicle tax rate
2.9%
Trade-in lowers the tax
Yes
Tax cap
None
Source
Official source, checked 2026-10-05

These are the rules for a new car bought from a dealer. Used-car and private-sale rules can differ. How we check this data.

Colorado charges 2.9% at the state level. Local taxes add more, based on where you live. That rate is higher than 5 states and lower than 45 states. County and city taxes may add to it, so check your local rate and enter the total in the calculator.

What to know in Colorado

Colorado's state rate is only 2.9%, but it's rarely what you actually pay. Counties, cities and special districts add their own taxes based on where you live, so the combined rate varies widely across the state.

The fair market value of your trade-in is excluded from the taxable price, so trading in lowers the bill. Look up the combined rate for your home address, not the dealer's, and enter that total in the calculator.

Does Colorado tax your trade-in?

No. Colorado only taxes the difference between the new car's price and your trade-in. On a $35,000 car with a $10,000 trade-in, you'd pay $725.00 in state tax instead of $1,015.00, a saving of $290.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in Colorado

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($1,015.00 state tax, rolled into the loan):

Change any number in the calculator above to see your own figures.

Rebates and fees

The calculator charges tax on the price before any manufacturer rebate. Ask the dealer how Colorado treats your specific rebate. Title, registration and dealer documentation fees vary, so ask for an itemized out-the-door price and put the fee total in the calculator.

Other states

States with similar vehicle tax rates:

Compare car sales tax in all 50 states and DC