Watcharu Finance

Arizona auto loan calculator

Arizona's state vehicle sales-tax rate is about 5.60% (cities and counties can add more). The calculator is preset for Arizona.

$670.47 / month

Amount financed
$33,460
Sales tax
$1,960
Total interest
$6,768
Balance over MonthBalance ends near $0 at 60.$0$8k$17k$25k$33k01224364860Month

How it works

Arizona taxes the price after the trade-in allowance. On a $35,000 car with a $10,000 trade-in, tax applies to $25,000 — about $1,400 instead of the $1,960 you'd owe with no trade. Sales or use tax is collected when the vehicle is titled and registered.

Arizona's property tax rate is well below the national average, but prices in Phoenix and Tucson rose sharply through the 2020s, pushing payments up regardless. Local add-on tax rates and documentation fees vary by dealer and county, so treat the preset rate as a starting point and confirm the exact figure on your paperwork.

Frequently asked questions

What is the car sales tax rate in Arizona?
Arizona's state vehicle sales/use tax rate is about 5.60%. On a $35,000 car that's about $1,960 before any local add-on rates.
Does a trade-in lower the sales tax in Arizona?
Yes. Arizona taxes the price after the trade-in allowance, so a $10,000 trade-in on a $35,000 car means tax is charged on $25,000 — about $1,400 instead of $1,960.
When is the sales tax on a car due in Arizona?
Sales or use tax is collected when the vehicle is titled and registered, either by the dealer at purchase or by you at the DMV for a private-party sale.
What other fees apply to a car purchase in Arizona?
Beyond sales tax you'll pay title and registration fees and, at most dealers, a documentation fee. These vary by dealer and county; the calculator lets you enter them.

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