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Florida auto loan calculator

Estimated monthly car payment in Florida

$445/mo

60 months at 7.54% APR · amount financed $22,199

State tax 6% on $25,000$1,500.00
Total sales tax$1,500.00
Dealer doc fee$699.00
Total interest$4,515.67
Total cost (price + tax + fees + interest)$41,715

Pick your county 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 $10,000

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? The county where the car will be registered.

County

Source: Florida DOR Form DR-15DSS, Discretionary Sales Surtax Information for Calendar Year 2026 (January 1, 2026 (calendar-year 2026 rates); retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (FL 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)
$1,500.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$22,199.00
Monthly payment
$445.24
Total of payments
$26,714.67
Total interest
$4,515.67

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/florida?price=35000&trade=10000&down=5000&rate=7.54&term=60&tax=6&doc=699&title=0&local=0

Florida car loan, at a glance: state vehicle tax 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 $658/mo, financing $32,799 incl. $2,100 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.

Florida car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
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.
6%
Trade-in tax creditBest-effort. Confidence: medium.
Allowed
Doc fee capNo cap; Florida requires the fee to be disclosed on the price.
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): Florida DOR Form DR-15DSS, Discretionary Sales Surtax Information for Calendar Year 2026; s. 212.054(2)(b), F.S.: surtax applies only to the first $5,000 of a single item; motor vehicles use the county where the vehicle is registered (retrieved October 12, 2026). Florida's 6% state tax applies to the full taxable price; the county discretionary surtax applies only to the first $5,000 (so at most $50 per 1%). Use the county where the car will be registered (your home county), not the dealer's county. Data file: fl.json.

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

FAQ

What is the car sales tax in Florida?

6% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 6% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

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

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

Does Florida add county or city tax on a car?

Yes. Florida's 6% state tax applies to the full taxable price; the county discretionary surtax applies only to the first $5,000 (so at most $50 per 1%). The calculator fills the exact rate when you pick your county (Florida DOR Form DR-15DSS, Discretionary Sales Surtax Information for Calendar Year 2026, January 1, 2026 (calendar-year 2026 rates)). Verify with your county clerk.

Does Florida cap dealer doc fees?

No cap; Florida requires the fee to be disclosed on the price. This calculator defaults to $699, editable.

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

With $5,000 down, no trade-in, the $699 doc fee, 6% state tax and 7.54% APR for 60 months, about $658 a month ($6,672 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.