Car Loan Calculator

South Dakota Auto Loan Calculator

Your monthly payment and total cost for a car bought in South Dakota, with the 4% state tax and South Dakota'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

$643.73

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$32,900
Sales tax
$1,400
Due at signing
$5,000
Total of payments
$38,624
Total interest
$5,724
Total cost of the car
$43,624
Car (after rebates): $35,000Interest: $5,724Tax & fees: $2,900
  • Car (after rebates)$35,00080%
  • Interest$5,72413%
  • Tax & fees$2,9007%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,008.35 $3,401 $41,301
48 mo (4 yr) $780.22 $4,551 $42,451
60 mo (5 yr) $643.73 $5,724 $43,624
72 mo (6 yr) $553.05 $6,919 $44,819
84 mo (7 yr) $488.55 $8,138 $46,038

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,724.72$5,755.68$1,969.04$27,144.32
2$7,724.72$6,141.15$1,583.57$21,003.17
3$7,724.72$6,552.43$1,172.28$14,450.74
4$7,724.72$6,991.26$733.45$7,459.48
5$7,724.72$7,459.48$265.24$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$643.73$465.52$178.21$32,434.48
2$643.73$468.04$175.69$31,966.44
3$643.73$470.57$173.15$31,495.87
4$643.73$473.12$170.60$31,022.74
5$643.73$475.69$168.04$30,547.06
6$643.73$478.26$165.46$30,068.79
7$643.73$480.85$162.87$29,587.94
8$643.73$483.46$160.27$29,104.48
9$643.73$486.08$157.65$28,618.41
10$643.73$488.71$155.02$28,129.70
11$643.73$491.36$152.37$27,638.34
12$643.73$494.02$149.71$27,144.32
13$643.73$496.69$147.03$26,647.63
14$643.73$499.38$144.34$26,148.24
15$643.73$502.09$141.64$25,646.15
16$643.73$504.81$138.92$25,141.34
17$643.73$507.54$136.18$24,633.80
18$643.73$510.29$133.43$24,123.50
19$643.73$513.06$130.67$23,610.45
20$643.73$515.84$127.89$23,094.61
21$643.73$518.63$125.10$22,575.98
22$643.73$521.44$122.29$22,054.54
23$643.73$524.26$119.46$21,530.28
24$643.73$527.10$116.62$21,003.17
25$643.73$529.96$113.77$20,473.21
26$643.73$532.83$110.90$19,940.38
27$643.73$535.72$108.01$19,404.67
28$643.73$538.62$105.11$18,866.05
29$643.73$541.54$102.19$18,324.51
30$643.73$544.47$99.26$17,780.05
31$643.73$547.42$96.31$17,232.63
32$643.73$550.38$93.34$16,682.25
33$643.73$553.36$90.36$16,128.88
34$643.73$556.36$87.36$15,572.52
35$643.73$559.38$84.35$15,013.14
36$643.73$562.41$81.32$14,450.74
37$643.73$565.45$78.27$13,885.29
38$643.73$568.51$75.21$13,316.77
39$643.73$571.59$72.13$12,745.18
40$643.73$574.69$69.04$12,170.49
41$643.73$577.80$65.92$11,592.69
42$643.73$580.93$62.79$11,011.75
43$643.73$584.08$59.65$10,427.68
44$643.73$587.24$56.48$9,840.43
45$643.73$590.42$53.30$9,250.01
46$643.73$593.62$50.10$8,656.39
47$643.73$596.84$46.89$8,059.55
48$643.73$600.07$43.66$7,459.48
49$643.73$603.32$40.41$6,856.16
50$643.73$606.59$37.14$6,249.57
51$643.73$609.87$33.85$5,639.69
52$643.73$613.18$30.55$5,026.52
53$643.73$616.50$27.23$4,410.02
54$643.73$619.84$23.89$3,790.18
55$643.73$623.20$20.53$3,166.98
56$643.73$626.57$17.15$2,540.41
57$643.73$629.97$13.76$1,910.45
58$643.73$633.38$10.35$1,277.07
59$643.73$636.81$6.92$640.26
60$643.73$640.26$3.47$0.00

How South Dakota taxes car purchases

State vehicle tax rate
4%
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.

South Dakota charges 4% at the state level. Motor vehicle excise tax. That rate is higher than 7 states and lower than 39 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 South Dakota

South Dakota charges a 4% motor vehicle excise tax instead of sales tax. Dealers don't collect it; you pay it when you title the car with your county treasurer. Because cars pay this excise tax instead of sales tax, city sales taxes don't apply, so 4% is the whole tax.

Your trade-in's value is deducted before the tax is figured. Since the tax isn't part of the dealer's price, plan how you'll pay it at titling.

Does South Dakota tax your trade-in?

No. South Dakota 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 $1,000.00 in state tax instead of $1,400.00, a saving of $400.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in South Dakota

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($1,400.00 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 South Dakota 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