Car Loan Calculator

Florida Auto Loan Calculator

Your monthly payment and total cost for a car bought in Florida, with the 6% state tax and Florida's trade-in rules already filled in.

What do you know?
?

The negotiated price of the vehicle before rebates, taxes and fees.

?

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

?

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

?

What the dealer will give you for your current car.

?

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

?

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

?

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

Monthly payment

$657.42

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$33,600
Sales tax
$2,100
Due at signing
$5,000
Total of payments
$39,445
Total interest
$5,845
Total cost of the car
$44,445
Car (after rebates): $35,000Interest: $5,845Tax & fees: $3,600
  • Car (after rebates)$35,00079%
  • Interest$5,84513%
  • Tax & fees$3,6008%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,029.81 $3,473 $42,073
48 mo (4 yr) $796.82 $4,647 $43,247
60 mo (5 yr) $657.42 $5,845 $44,445
72 mo (6 yr) $564.81 $7,067 $45,667
84 mo (7 yr) $498.94 $8,311 $46,911

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,889.07$5,878.14$2,010.93$27,721.86
2$7,889.07$6,271.81$1,617.26$21,450.05
3$7,889.07$6,691.85$1,197.23$14,758.20
4$7,889.07$7,140.01$749.06$7,618.19
5$7,889.07$7,618.19$270.88$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$657.42$475.42$182.00$33,124.58
2$657.42$478.00$179.42$32,646.58
3$657.42$480.59$176.84$32,165.99
4$657.42$483.19$174.23$31,682.80
5$657.42$485.81$171.62$31,197.00
6$657.42$488.44$168.98$30,708.56
7$657.42$491.08$166.34$30,217.47
8$657.42$493.74$163.68$29,723.73
9$657.42$496.42$161.00$29,227.31
10$657.42$499.11$158.31$28,728.20
11$657.42$501.81$155.61$28,226.39
12$657.42$504.53$152.89$27,721.86
13$657.42$507.26$150.16$27,214.60
14$657.42$510.01$147.41$26,704.59
15$657.42$512.77$144.65$26,191.81
16$657.42$515.55$141.87$25,676.26
17$657.42$518.34$139.08$25,157.92
18$657.42$521.15$136.27$24,636.77
19$657.42$523.97$133.45$24,112.80
20$657.42$526.81$130.61$23,585.98
21$657.42$529.67$127.76$23,056.32
22$657.42$532.53$124.89$22,523.79
23$657.42$535.42$122.00$21,988.37
24$657.42$538.32$119.10$21,450.05
25$657.42$541.23$116.19$20,908.81
26$657.42$544.17$113.26$20,364.65
27$657.42$547.11$110.31$19,817.53
28$657.42$550.08$107.34$19,267.45
29$657.42$553.06$104.37$18,714.40
30$657.42$556.05$101.37$18,158.34
31$657.42$559.06$98.36$17,599.28
32$657.42$562.09$95.33$17,037.19
33$657.42$565.14$92.28$16,472.05
34$657.42$568.20$89.22$15,903.85
35$657.42$571.28$86.15$15,332.57
36$657.42$574.37$83.05$14,758.20
37$657.42$577.48$79.94$14,180.72
38$657.42$580.61$76.81$13,600.11
39$657.42$583.76$73.67$13,016.35
40$657.42$586.92$70.51$12,429.44
41$657.42$590.10$67.33$11,839.34
42$657.42$593.29$64.13$11,246.05
43$657.42$596.51$60.92$10,649.54
44$657.42$599.74$57.69$10,049.80
45$657.42$602.99$54.44$9,446.82
46$657.42$606.25$51.17$8,840.56
47$657.42$609.54$47.89$8,231.03
48$657.42$612.84$44.58$7,618.19
49$657.42$616.16$41.27$7,002.03
50$657.42$619.49$37.93$6,382.54
51$657.42$622.85$34.57$5,759.69
52$657.42$626.22$31.20$5,133.46
53$657.42$629.62$27.81$4,503.85
54$657.42$633.03$24.40$3,870.82
55$657.42$636.46$20.97$3,234.37
56$657.42$639.90$17.52$2,594.46
57$657.42$643.37$14.05$1,951.09
58$657.42$646.85$10.57$1,304.24
59$657.42$650.36$7.06$653.88
60$657.42$653.88$3.54$0.00

How Florida taxes car purchases

State vehicle tax rate
6%
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.

Florida charges 6% at the state level. County surtax adds more. That rate is higher than 27 states and lower than 16 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 Florida

Florida's 6% state sales tax applies to the price after your trade-in allowance, and most counties add a discretionary surtax. The surtax is unusual: it applies only to the first $5,000 of the purchase price, so on a car it adds a small, fixed amount rather than growing with the price.

The county surtax that applies is the one where you live, based on the address on your registration, not where the dealer is. For the calculator, enter the 6% state rate plus a small amount for the county surtax, rather than adding the full surtax rate.

Does Florida tax your trade-in?

No. Florida 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 $1,500.00 in state tax instead of $2,100.00, a saving of $600.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in Florida

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($2,100.00 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 Florida 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