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Arkansas auto loan calculator

Estimated monthly car payment in Arkansas

$661/mo

60 months at 7.54% APR · amount financed $32,974

State tax 6.5% on $35,000$2,275.00
Total sales tax$2,275.00
Dealer doc fee$699.00
Total interest$6,707.50
Total cost (price + tax + fees + interest)$44,681

Pick your county and city above for the exact local rate, or type it in the local box.

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

Vehicle price $35,000

Trade-in value $0

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? Your home city/county (Arkansas taxes vehicles at the purchaser's residence, collected when you register).

CountyCity

Source: Arkansas rate file ARR2026Q4AUG28 (Streamlined Sales Tax Governing Board, published by the… (October 1, 2026 quarter; retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (AR 6.5%)Local tax % (auto-filled or enter yours)Dealer documentation fee $Title/registration $ (enter yours)

Loan breakdown

Vehicle price
$35,000
− Trade-in
$0
− Down payment
$5,000
+ Sales tax (full trade-in credit applied)
$2,275.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$32,974.00
Monthly payment
$661.36
Total of payments
$39,681.50
Total interest
$6,707.50

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/arkansas?price=35000&trade=0&down=5000&rate=7.54&term=60&tax=6.5&doc=699&title=0&local=0

Arkansas car loan, at a glance: state vehicle tax 6.5% (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 $661/mo, financing $32,974 incl. $2,275 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.

Arkansas car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
6.5%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
6.5%
Trade-in tax creditBest-effort. Confidence: medium.
Allowed
Doc fee capArkansas caps documentary fees (verify current amount).
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 (exact county/city table): Arkansas rate file ARR2026Q4AUG28 (Streamlined Sales Tax Governing Board, published by the state); Arkansas Rule 26 CAR 30-1224: local taxes only on the first $2,500 of a single motor vehicle; city and county of the purchaser's residence apply; Arkansas DFA, Sales and Use Tax FAQs (local cap still applies to motor vehicles); US Census Bureau 2020 FIPS county/place names (retrieved October 12, 2026). Arkansas city and county taxes apply only to the first $2,500 of the vehicle price (so a few dollars to ~$100); the 6.5% state tax applies to the full price. Arkansas also has reduced state rates/exemptions for some lower-priced used vehicles, which this calculator doesn't model. Data file: ar.json.

Arkansas mortgage calculator → · Arkansas car sales tax calculator · All states

FAQ

What is the car sales tax in Arkansas?

6.5% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 6.5% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

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

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

Does Arkansas add county or city tax on a car?

Yes. Arkansas city and county taxes apply only to the first $2,500 of the vehicle price (so a few dollars to ~$100); the 6.5% state tax applies to the full price. Arkansas also has reduced state rates/exemptions for some lower-priced used vehicles, which this calculator doesn't model. The calculator fills the exact rate when you pick your county and city (Arkansas rate file ARR2026Q4AUG28 (Streamlined Sales Tax Governing Board, published by the state), October 1, 2026 quarter). Verify with your county clerk.

Does Arkansas cap dealer doc fees?

Arkansas caps documentary fees (verify current amount). This calculator defaults to $699, editable.

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

With $5,000 down, no trade-in, the $699 doc fee, 6.5% state tax and 7.54% APR for 60 months, about $661 a month ($6,707 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.