Car Loan Calculator

Montana Auto Loan Calculator

Your monthly payment and total cost for a car bought in Montana. Montana's tax rules are 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

$616.33

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$31,500
Sales tax
$0
Due at signing
$5,000
Total of payments
$36,980
Total interest
$5,480
Total cost of the car
$41,980
Car (after rebates): $35,000Interest: $5,480Tax & fees: $1,500
  • Car (after rebates)$35,00083%
  • Interest$5,48013%
  • Tax & fees$1,5004%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $965.44 $3,256 $39,756
48 mo (4 yr) $747.02 $4,357 $40,857
60 mo (5 yr) $616.33 $5,480 $41,980
72 mo (6 yr) $529.51 $6,625 $43,125
84 mo (7 yr) $467.76 $7,792 $44,292

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,396.00$5,510.76$1,885.25$25,989.24
2$7,396.00$5,879.82$1,516.18$20,109.42
3$7,396.00$6,273.61$1,122.40$13,835.81
4$7,396.00$6,693.76$702.24$7,142.05
5$7,396.00$7,142.05$253.95$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$616.33$445.71$170.63$31,054.29
2$616.33$448.12$168.21$30,606.17
3$616.33$450.55$165.78$30,155.62
4$616.33$452.99$163.34$29,702.63
5$616.33$455.44$160.89$29,247.18
6$616.33$457.91$158.42$28,789.27
7$616.33$460.39$155.94$28,328.88
8$616.33$462.89$153.45$27,865.99
9$616.33$465.39$150.94$27,400.60
10$616.33$467.91$148.42$26,932.69
11$616.33$470.45$145.89$26,462.24
12$616.33$473.00$143.34$25,989.24
13$616.33$475.56$140.78$25,513.68
14$616.33$478.13$138.20$25,035.55
15$616.33$480.72$135.61$24,554.83
16$616.33$483.33$133.01$24,071.50
17$616.33$485.95$130.39$23,585.55
18$616.33$488.58$127.76$23,096.97
19$616.33$491.23$125.11$22,605.75
20$616.33$493.89$122.45$22,111.86
21$616.33$496.56$119.77$21,615.30
22$616.33$499.25$117.08$21,116.05
23$616.33$501.96$114.38$20,614.09
24$616.33$504.67$111.66$20,109.42
25$616.33$507.41$108.93$19,602.01
26$616.33$510.16$106.18$19,091.86
27$616.33$512.92$103.41$18,578.94
28$616.33$515.70$100.64$18,063.24
29$616.33$518.49$97.84$17,544.75
30$616.33$521.30$95.03$17,023.45
31$616.33$524.12$92.21$16,499.32
32$616.33$526.96$89.37$15,972.36
33$616.33$529.82$86.52$15,442.55
34$616.33$532.69$83.65$14,909.86
35$616.33$535.57$80.76$14,374.29
36$616.33$538.47$77.86$13,835.81
37$616.33$541.39$74.94$13,294.42
38$616.33$544.32$72.01$12,750.10
39$616.33$547.27$69.06$12,202.83
40$616.33$550.23$66.10$11,652.60
41$616.33$553.22$63.12$11,099.38
42$616.33$556.21$60.12$10,543.17
43$616.33$559.22$57.11$9,983.94
44$616.33$562.25$54.08$9,421.69
45$616.33$565.30$51.03$8,856.39
46$616.33$568.36$47.97$8,288.03
47$616.33$571.44$44.89$7,716.59
48$616.33$574.54$41.80$7,142.05
49$616.33$577.65$38.69$6,564.41
50$616.33$580.78$35.56$5,983.63
51$616.33$583.92$32.41$5,399.71
52$616.33$587.09$29.25$4,812.62
53$616.33$590.27$26.07$4,222.36
54$616.33$593.46$22.87$3,628.89
55$616.33$596.68$19.66$3,032.22
56$616.33$599.91$16.42$2,432.31
57$616.33$603.16$13.18$1,829.15
58$616.33$606.43$9.91$1,222.72
59$616.33$609.71$6.62$613.01
60$616.33$613.01$3.32$0.00

How Montana taxes car purchases

State vehicle tax rate
None
Trade-in lowers the tax
Not applicable
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.

Montana doesn't charge a state sales tax when you buy a car. No sales tax. Registration fees depend on the vehicle’s age.

What to know in Montana

Montana has no general sales tax, so nothing is added to the price of a car when you buy it. Instead, Montana's registration fees depend on the vehicle's age, so a new car costs more to register each year than an older one.

With no sales tax, your payment depends almost entirely on the price, down payment, term and APR. Put your expected registration fees in the fees field so the calculator shows the full cost of getting the car on the road.

Example: a car loan in Montana

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR (no state sales tax):

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 Montana 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