Car Loan Calculator

Utah Auto Loan Calculator

Your monthly payment and total cost for a car bought in Utah, with the 4.85% state tax and Utah'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

$649.55

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$33,198
Sales tax
$1,698
Due at signing
$5,000
Total of payments
$38,973
Total interest
$5,775
Total cost of the car
$43,973
Car (after rebates): $35,000Interest: $5,775Tax & fees: $3,198
  • Car (after rebates)$35,00080%
  • Interest$5,77513%
  • Tax & fees$3,1987%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,017.47 $3,431 $41,629
48 mo (4 yr) $787.28 $4,592 $42,789
60 mo (5 yr) $649.55 $5,775 $43,973
72 mo (6 yr) $558.05 $6,982 $45,179
84 mo (7 yr) $492.96 $8,211 $46,409

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,794.57$5,807.73$1,986.84$27,389.77
2$7,794.57$6,196.68$1,597.89$21,193.09
3$7,794.57$6,611.68$1,182.88$14,581.41
4$7,794.57$7,054.48$740.09$7,526.93
5$7,794.57$7,526.93$267.64$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$649.55$469.73$179.82$32,727.77
2$649.55$472.27$177.28$32,255.50
3$649.55$474.83$174.72$31,780.67
4$649.55$477.40$172.15$31,303.27
5$649.55$479.99$169.56$30,823.28
6$649.55$482.59$166.96$30,340.69
7$649.55$485.20$164.35$29,855.49
8$649.55$487.83$161.72$29,367.66
9$649.55$490.47$159.07$28,877.19
10$649.55$493.13$156.42$28,384.06
11$649.55$495.80$153.75$27,888.26
12$649.55$498.49$151.06$27,389.77
13$649.55$501.19$148.36$26,888.59
14$649.55$503.90$145.65$26,384.69
15$649.55$506.63$142.92$25,878.06
16$649.55$509.37$140.17$25,368.68
17$649.55$512.13$137.41$24,856.55
18$649.55$514.91$134.64$24,341.64
19$649.55$517.70$131.85$23,823.95
20$649.55$520.50$129.05$23,303.44
21$649.55$523.32$126.23$22,780.12
22$649.55$526.15$123.39$22,253.97
23$649.55$529.00$120.54$21,724.96
24$649.55$531.87$117.68$21,193.09
25$649.55$534.75$114.80$20,658.34
26$649.55$537.65$111.90$20,120.70
27$649.55$540.56$108.99$19,580.13
28$649.55$543.49$106.06$19,036.65
29$649.55$546.43$103.12$18,490.21
30$649.55$549.39$100.16$17,940.82
31$649.55$552.37$97.18$17,388.46
32$649.55$555.36$94.19$16,833.10
33$649.55$558.37$91.18$16,274.73
34$649.55$561.39$88.15$15,713.34
35$649.55$564.43$85.11$15,148.90
36$649.55$567.49$82.06$14,581.41
37$649.55$570.56$78.98$14,010.85
38$649.55$573.66$75.89$13,437.19
39$649.55$576.76$72.78$12,860.43
40$649.55$579.89$69.66$12,280.54
41$649.55$583.03$66.52$11,697.51
42$649.55$586.19$63.36$11,111.33
43$649.55$589.36$60.19$10,521.97
44$649.55$592.55$56.99$9,929.42
45$649.55$595.76$53.78$9,333.65
46$649.55$598.99$50.56$8,734.66
47$649.55$602.23$47.31$8,132.43
48$649.55$605.50$44.05$7,526.93
49$649.55$608.78$40.77$6,918.16
50$649.55$612.07$37.47$6,306.08
51$649.55$615.39$34.16$5,690.69
52$649.55$618.72$30.82$5,071.97
53$649.55$622.07$27.47$4,449.90
54$649.55$625.44$24.10$3,824.45
55$649.55$628.83$20.72$3,195.62
56$649.55$632.24$17.31$2,563.38
57$649.55$635.66$13.88$1,927.72
58$649.55$639.11$10.44$1,288.61
59$649.55$642.57$6.98$646.05
60$649.55$646.05$3.50$0.00

How Utah taxes car purchases

State vehicle tax rate
4.85%
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.

Utah charges 4.85% at the state level. Local taxes add more. That rate is higher than 15 states and lower than 35 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 Utah

Utah's 4.85% state rate is joined by local taxes, so the combined rate is higher. Utah taxes the purchase price after subtracting any trade-in or rebate, so both lower the tax, and the calculator takes them off before figuring it.

Instead of an annual property tax on vehicles, Utah charges an age-based uniform fee with each registration. Budget for it separately from the purchase.

Does Utah tax your trade-in?

No. Utah 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 $1,212.50 in state tax instead of $1,697.50, a saving of $485.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in Utah

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($1,697.50 state tax, rolled into the loan):

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

Rebates and fees

In Utah, 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