Car Loan Calculator

Missouri Auto Loan Calculator

Your monthly payment and total cost for a car bought in Missouri, with the 4.225% state tax and Missouri'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

$645.27

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$32,979
Sales tax
$1,479
Due at signing
$5,000
Total of payments
$38,716
Total interest
$5,737
Total cost of the car
$43,716
Car (after rebates): $35,000Interest: $5,737Tax & fees: $2,979
  • Car (after rebates)$35,00080%
  • Interest$5,73713%
  • Tax & fees$2,9797%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,010.77 $3,409 $41,388
48 mo (4 yr) $782.09 $4,562 $42,540
60 mo (5 yr) $645.27 $5,737 $43,716
72 mo (6 yr) $554.37 $6,936 $44,915
84 mo (7 yr) $489.72 $8,157 $46,136

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,743.21$5,769.46$1,973.75$27,209.29
2$7,743.21$6,155.85$1,587.36$21,053.45
3$7,743.21$6,568.12$1,175.09$14,485.33
4$7,743.21$7,008.00$735.21$7,477.33
5$7,743.21$7,477.33$265.87$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$645.27$466.63$178.63$32,512.12
2$645.27$469.16$176.11$32,042.96
3$645.27$471.70$173.57$31,571.26
4$645.27$474.26$171.01$31,097.00
5$645.27$476.83$168.44$30,620.18
6$645.27$479.41$165.86$30,140.77
7$645.27$482.00$163.26$29,658.76
8$645.27$484.62$160.65$29,174.15
9$645.27$487.24$158.03$28,686.91
10$645.27$489.88$155.39$28,197.03
11$645.27$492.53$152.73$27,704.49
12$645.27$495.20$150.07$27,209.29
13$645.27$497.88$147.38$26,711.41
14$645.27$500.58$144.69$26,210.83
15$645.27$503.29$141.98$25,707.54
16$645.27$506.02$139.25$25,201.52
17$645.27$508.76$136.51$24,692.76
18$645.27$511.51$133.75$24,181.25
19$645.27$514.29$130.98$23,666.96
20$645.27$517.07$128.20$23,149.89
21$645.27$519.87$125.40$22,630.02
22$645.27$522.69$122.58$22,107.33
23$645.27$525.52$119.75$21,581.81
24$645.27$528.37$116.90$21,053.45
25$645.27$531.23$114.04$20,522.22
26$645.27$534.11$111.16$19,988.11
27$645.27$537.00$108.27$19,451.11
28$645.27$539.91$105.36$18,911.21
29$645.27$542.83$102.44$18,368.38
30$645.27$545.77$99.50$17,822.60
31$645.27$548.73$96.54$17,273.88
32$645.27$551.70$93.57$16,722.18
33$645.27$554.69$90.58$16,167.49
34$645.27$557.69$87.57$15,609.79
35$645.27$560.71$84.55$15,049.08
36$645.27$563.75$81.52$14,485.33
37$645.27$566.80$78.46$13,918.52
38$645.27$569.88$75.39$13,348.65
39$645.27$572.96$72.31$12,775.69
40$645.27$576.07$69.20$12,199.62
41$645.27$579.19$66.08$11,620.44
42$645.27$582.32$62.94$11,038.11
43$645.27$585.48$59.79$10,452.64
44$645.27$588.65$56.62$9,863.99
45$645.27$591.84$53.43$9,272.15
46$645.27$595.04$50.22$8,677.11
47$645.27$598.27$47.00$8,078.84
48$645.27$601.51$43.76$7,477.33
49$645.27$604.76$40.50$6,872.57
50$645.27$608.04$37.23$6,264.53
51$645.27$611.33$33.93$5,653.19
52$645.27$614.65$30.62$5,038.55
53$645.27$617.97$27.29$4,420.57
54$645.27$621.32$23.94$3,799.25
55$645.27$624.69$20.58$3,174.56
56$645.27$628.07$17.20$2,546.49
57$645.27$631.47$13.79$1,915.02
58$645.27$634.89$10.37$1,280.12
59$645.27$638.33$6.93$641.79
60$645.27$641.79$3.48$0.00

How Missouri taxes car purchases

State vehicle tax rate
4.225%
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.

Missouri charges 4.225% at the state level. Local taxes add more, based on where you live. That rate is higher than 13 states and lower than 37 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 Missouri

Missouri dealers don't collect sales tax on the cars they sell. You pay it yourself at a Missouri license office when you title the car, and you have 30 days from the purchase date to do it. After that there's a $25 title penalty.

The 4.225% state rate is only part of the tax, because local taxes based on where you live are added. Trade-ins and rebates both reduce the taxable amount. Since the tax isn't part of the dealer's price, plan whether you'll pay it in cash or roll it into the loan.

Does Missouri tax your trade-in?

No. Missouri 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 $1,056.25 in state tax instead of $1,478.75, a saving of $422.50. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in Missouri

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($1,478.75 state tax, rolled into the loan):

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

Rebates and fees

In Missouri, a rebate lowers the taxable price, and the calculator takes it off before figuring the tax. 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