Car Loan Calculator

Nebraska Auto Loan Calculator

Your monthly payment and total cost for a car bought in Nebraska, with the 5.5% state tax and Nebraska'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

$654.00

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$33,425
Sales tax
$1,925
Due at signing
$5,000
Total of payments
$39,240
Total interest
$5,815
Total cost of the car
$44,240
Car (after rebates): $35,000Interest: $5,815Tax & fees: $3,425
  • Car (after rebates)$35,00079%
  • Interest$5,81513%
  • Tax & fees$3,4258%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,024.44 $3,455 $41,880
48 mo (4 yr) $792.67 $4,623 $43,048
60 mo (5 yr) $654.00 $5,815 $44,240
72 mo (6 yr) $561.87 $7,030 $45,455
84 mo (7 yr) $496.34 $8,268 $46,693

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,847.98$5,847.53$2,000.46$27,577.47
2$7,847.98$6,239.15$1,608.84$21,338.33
3$7,847.98$6,656.99$1,190.99$14,681.34
4$7,847.98$7,102.82$745.16$7,578.51
5$7,847.98$7,578.51$269.47$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$654.00$472.95$181.05$32,952.05
2$654.00$475.51$178.49$32,476.55
3$654.00$478.08$175.91$31,998.46
4$654.00$480.67$173.32$31,517.79
5$654.00$483.28$170.72$31,034.51
6$654.00$485.89$168.10$30,548.62
7$654.00$488.53$165.47$30,060.09
8$654.00$491.17$162.83$29,568.92
9$654.00$493.83$160.16$29,075.08
10$654.00$496.51$157.49$28,578.57
11$654.00$499.20$154.80$28,079.38
12$654.00$501.90$152.10$27,577.47
13$654.00$504.62$149.38$27,072.85
14$654.00$507.35$146.64$26,565.50
15$654.00$510.10$143.90$26,055.40
16$654.00$512.87$141.13$25,542.53
17$654.00$515.64$138.36$25,026.89
18$654.00$518.44$135.56$24,508.45
19$654.00$521.24$132.75$23,987.21
20$654.00$524.07$129.93$23,463.14
21$654.00$526.91$127.09$22,936.23
22$654.00$529.76$124.24$22,406.47
23$654.00$532.63$121.37$21,873.84
24$654.00$535.52$118.48$21,338.33
25$654.00$538.42$115.58$20,799.91
26$654.00$541.33$112.67$20,258.58
27$654.00$544.26$109.73$19,714.32
28$654.00$547.21$106.79$19,167.10
29$654.00$550.18$103.82$18,616.93
30$654.00$553.16$100.84$18,063.77
31$654.00$556.15$97.85$17,507.62
32$654.00$559.17$94.83$16,948.45
33$654.00$562.19$91.80$16,386.26
34$654.00$565.24$88.76$15,821.02
35$654.00$568.30$85.70$15,252.72
36$654.00$571.38$82.62$14,681.34
37$654.00$574.47$79.52$14,106.86
38$654.00$577.59$76.41$13,529.28
39$654.00$580.71$73.28$12,948.56
40$654.00$583.86$70.14$12,364.70
41$654.00$587.02$66.98$11,777.68
42$654.00$590.20$63.80$11,187.47
43$654.00$593.40$60.60$10,594.07
44$654.00$596.61$57.38$9,997.46
45$654.00$599.85$54.15$9,397.62
46$654.00$603.09$50.90$8,794.52
47$654.00$606.36$47.64$8,188.16
48$654.00$609.65$44.35$7,578.51
49$654.00$612.95$41.05$6,965.56
50$654.00$616.27$37.73$6,349.30
51$654.00$619.61$34.39$5,729.69
52$654.00$622.96$31.04$5,106.73
53$654.00$626.34$27.66$4,480.39
54$654.00$629.73$24.27$3,850.66
55$654.00$633.14$20.86$3,217.52
56$654.00$636.57$17.43$2,580.95
57$654.00$640.02$13.98$1,940.93
58$654.00$643.49$10.51$1,297.45
59$654.00$646.97$7.03$650.48
60$654.00$650.48$3.52$0.00

How Nebraska taxes car purchases

State vehicle tax rate
5.5%
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.

Nebraska charges 5.5% at the state level. Local taxes add more. That rate is higher than 23 states and lower than 26 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 Nebraska

Nebraska's 5.5% state sales tax applies to vehicles, and many cities add a local sales tax. The tax is collected by the county treasurer when you register the car, not by the dealer.

The tax is figured on the price after your trade-in and any manufacturer rebate, so both lower it. The calculator takes the rebate off before figuring the tax. Ask the dealer or your county treasurer which local rate will apply, and add it to the state rate.

Does Nebraska tax your trade-in?

No. Nebraska 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 $1,375.00 in state tax instead of $1,925.00, a saving of $550.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in Nebraska

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($1,925.00 state tax, rolled into the loan):

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

Rebates and fees

In Nebraska, 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