Car Loan Calculator

West Virginia Auto Loan Calculator

Your monthly payment and total cost for a car bought in West Virginia, with the 6% state tax and West Virginia'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

$657.42

for 60 months at 6.5% APR

Vehicle price
$35,000
Amount financed
$33,600
Sales tax
$2,100
Due at signing
$5,000
Total of payments
$39,445
Total interest
$5,845
Total cost of the car
$44,445
Car (after rebates): $35,000Interest: $5,845Tax & fees: $3,600
  • Car (after rebates)$35,00079%
  • Interest$5,84513%
  • Tax & fees$3,6008%

Compare loan terms

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

TermMonthlyInterestTotal cost
36 mo (3 yr) $1,029.81 $3,473 $42,073
48 mo (4 yr) $796.82 $4,647 $43,247
60 mo (5 yr) $657.42 $5,845 $44,445
72 mo (6 yr) $564.81 $7,067 $45,667
84 mo (7 yr) $498.94 $8,311 $46,911

Payment schedule

YearPaymentPrincipalInterestBalance
1$7,889.07$5,878.14$2,010.93$27,721.86
2$7,889.07$6,271.81$1,617.26$21,450.05
3$7,889.07$6,691.85$1,197.23$14,758.20
4$7,889.07$7,140.01$749.06$7,618.19
5$7,889.07$7,618.19$270.88$0.00
Show all 60 monthly payments
MonthPaymentPrincipalInterestBalance
1$657.42$475.42$182.00$33,124.58
2$657.42$478.00$179.42$32,646.58
3$657.42$480.59$176.84$32,165.99
4$657.42$483.19$174.23$31,682.80
5$657.42$485.81$171.62$31,197.00
6$657.42$488.44$168.98$30,708.56
7$657.42$491.08$166.34$30,217.47
8$657.42$493.74$163.68$29,723.73
9$657.42$496.42$161.00$29,227.31
10$657.42$499.11$158.31$28,728.20
11$657.42$501.81$155.61$28,226.39
12$657.42$504.53$152.89$27,721.86
13$657.42$507.26$150.16$27,214.60
14$657.42$510.01$147.41$26,704.59
15$657.42$512.77$144.65$26,191.81
16$657.42$515.55$141.87$25,676.26
17$657.42$518.34$139.08$25,157.92
18$657.42$521.15$136.27$24,636.77
19$657.42$523.97$133.45$24,112.80
20$657.42$526.81$130.61$23,585.98
21$657.42$529.67$127.76$23,056.32
22$657.42$532.53$124.89$22,523.79
23$657.42$535.42$122.00$21,988.37
24$657.42$538.32$119.10$21,450.05
25$657.42$541.23$116.19$20,908.81
26$657.42$544.17$113.26$20,364.65
27$657.42$547.11$110.31$19,817.53
28$657.42$550.08$107.34$19,267.45
29$657.42$553.06$104.37$18,714.40
30$657.42$556.05$101.37$18,158.34
31$657.42$559.06$98.36$17,599.28
32$657.42$562.09$95.33$17,037.19
33$657.42$565.14$92.28$16,472.05
34$657.42$568.20$89.22$15,903.85
35$657.42$571.28$86.15$15,332.57
36$657.42$574.37$83.05$14,758.20
37$657.42$577.48$79.94$14,180.72
38$657.42$580.61$76.81$13,600.11
39$657.42$583.76$73.67$13,016.35
40$657.42$586.92$70.51$12,429.44
41$657.42$590.10$67.33$11,839.34
42$657.42$593.29$64.13$11,246.05
43$657.42$596.51$60.92$10,649.54
44$657.42$599.74$57.69$10,049.80
45$657.42$602.99$54.44$9,446.82
46$657.42$606.25$51.17$8,840.56
47$657.42$609.54$47.89$8,231.03
48$657.42$612.84$44.58$7,618.19
49$657.42$616.16$41.27$7,002.03
50$657.42$619.49$37.93$6,382.54
51$657.42$622.85$34.57$5,759.69
52$657.42$626.22$31.20$5,133.46
53$657.42$629.62$27.81$4,503.85
54$657.42$633.03$24.40$3,870.82
55$657.42$636.46$20.97$3,234.37
56$657.42$639.90$17.52$2,594.46
57$657.42$643.37$14.05$1,951.09
58$657.42$646.85$10.57$1,304.24
59$657.42$650.36$7.06$653.88
60$657.42$653.88$3.54$0.00

How West Virginia taxes car purchases

State vehicle tax rate
6%
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.

West Virginia charges 6% at the state level. The trade-in must be titled in West Virginia in your name. That rate is higher than 27 states and lower than 16 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 West Virginia

West Virginia charges 6% on vehicles, collected when you title the car. Your trade-in reduces the taxable price, but rebates don't: West Virginia taxes the price before rebates.

That makes a trade-in worth more than a rebate of the same size here, at least on taxes. Remember that the trade-in counts only if it's titled in West Virginia in your name.

Does West Virginia tax your trade-in?

No. West Virginia 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 $1,500.00 in state tax instead of $2,100.00, a saving of $600.00. That saving is worth counting when you compare a dealer's trade-in offer with selling the car yourself.

Example: a car loan in West Virginia

A $35,000 car with $5,000 down, $1,500 in fees, and a 60-month loan at 6.5% APR ($2,100.00 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 West Virginia 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