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Arizona auto loan calculator

Estimated monthly car payment in Arizona

$458/mo

60 months at 7.54% APR · amount financed $22,829

State tax 5.6% on $25,000$1,400.00
Local 2.92% (estimate)$730.00
Total sales tax$2,130.00
Dealer doc fee$699.00
Total interest$4,643.82
Total cost (price + tax + fees + interest)$42,473

Local rate is an estimate (statewide average). Verify with your county clerk.

Used car $20k New car $35k $50k truck + $15k trade $30k, 84 months

Vehicle price $35,000

Trade-in value $10,000

Down payment $5,000

APR % 7.54

Loan term (months)

Estimate: we don't have an exact county/city table for this state yet. The local box starts at the 2.92% statewide average local rate. Arizona city/county TPT applies to vehicles, and many cities use a different rate for a single item over $5,000. Why still an estimate: the exact city rate depends on ADOR's business-code tables and the dealer/buyer location rules, which we have not yet modeled reliably.

Source: Tax Foundation, Facts & Figures 2026, Table 18 (average local sales tax rate, as of Januar… (January 1, 2026 (average)). Verify with your county clerk or DMV.

State vehicle tax % (AZ 5.6%)Local tax % (auto-filled or enter yours)Dealer documentation fee $Title/registration $ (enter yours)

Loan breakdown

Vehicle price
$35,000
− Trade-in
$10,000
− Down payment
$5,000
+ Sales tax (full trade-in credit applied)
$2,130.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$22,829.00
Monthly payment
$457.88
Total of payments
$27,472.82
Total interest
$4,643.82

Tax is applied to the price minus any allowed trade-in credit; whether doc fees, rebates and add-ons are taxable varies by state and isn't modeled. Assumes the trade-in has no loan balance.

Share this result: vaultrubric.com/tools/auto-loan-calculator/arizona?price=35000&trade=10000&down=5000&rate=7.54&term=60&tax=5.6&doc=699&title=0&local=2.92

Arizona car loan, at a glance: state vehicle tax 5.6% (Vehicle purchases taxed at the state general sales tax rate; local taxes may add.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $676/mo, financing $33,681 incl. $2,982 tax and the $699 doc fee.

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), August 2026.

Arizona car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
5.6%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
5.6%
Trade-in tax creditBest-effort. Confidence: medium.
Allowed
Doc fee capNo doc-fee cap found in our best-effort check; many states require only disclosure.
None found
Title & registrationVaries by vehicle weight, value, age and county; not reliably sourced for every state, so enter your own estimate.
Editable

Sources & as-of dates

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates) (as of January 1, 2026).
Vehicle-specific rates, trade-in rules and doc-fee caps: best-effort compilation from state DMV/revenue rules (Best-effort, checked October 12, 2026); e.g. Virginia DMV, Michigan Treasury Form 485, California CDTFA Regulation 1610.
Default APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), 7.54% (August 2026). Data file: state-tax-rates.json.
Local vehicle tax (estimate): Tax Foundation, Facts & Figures 2026, Table 18 (average local sales tax rate, as of January 1, 2026) (retrieved October 12, 2026). Arizona city/county TPT applies to vehicles, and many cities use a different rate for a single item over $5,000. Why still an estimate: the exact city rate depends on ADOR's business-code tables and the dealer/buyer location rules, which we have not yet modeled reliably. This is a population-weighted average of local rates for general sales, not your exact rate. Enter your own local rate if you know it. Data file: az.json.

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FAQ

What is the car sales tax in Arizona?

5.6% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 5.6% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

Does Arizona give a sales tax credit for a trade-in?

Yes. Arizona generally taxes the price minus your trade-in value. (Best-effort; verify with the state DMV or revenue department.)

Does Arizona add county or city tax on a car?

Usually, but we don't have an exact county/city table yet. Arizona city/county TPT applies to vehicles, and many cities use a different rate for a single item over $5,000. Why still an estimate: the exact city rate depends on ADOR's business-code tables and the dealer/buyer location rules, which we have not yet modeled reliably. We pre-fill the 2.92% statewide average local rate as an estimate (Tax Foundation, Facts & Figures 2026, Table 18 (average local sales tax rate, as of January 1, 2026)); enter your own rate for accuracy.

Does Arizona cap dealer doc fees?

No doc-fee cap found in our best-effort check; many states require only disclosure. This calculator defaults to $699, editable.

What is the monthly payment on a $35,000 car in Arizona?

With $5,000 down, no trade-in, the $699 doc fee, 5.6% state tax and 7.54% APR for 60 months, about $676 a month ($6,851 total interest). Local taxes and registration add to this.

Is this financial advice?

No. These are estimates, not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.