Car Loan Calculator

New Hampshire Auto Loan Calculator

Your monthly payment and total cost for a car bought in New Hampshire. New Hampshire'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 New Hampshire 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.

New Hampshire doesn't charge a state sales tax when you buy a car. No sales tax. Title and registration fees still apply.

What to know in New Hampshire

New Hampshire has no general sales tax, so a car bought here carries no sales tax. You still pay title and registration fees, and part of the registration is a local permit fee paid to your city or town.

If you live in a neighboring state and buy here, expect to pay your home state's tax when you register the car there. For New Hampshire residents, the calculator's tax field can stay at zero. Put the title and registration costs in the fees field instead.

Example: a car loan in New Hampshire

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 New Hampshire 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