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New York auto loan calculator

Estimated monthly car payment in New York

$644/mo

60 months at 7.54% APR · amount financed $32,099

State tax 4% on $35,000$1,400.00
Total sales tax$1,400.00
Dealer doc fee$699.00
⚠ Reported NY doc-fee cap: $175
Total interest$6,529.51
Total cost (price + tax + fees + interest)$43,629

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? The county/city where you live.

CountyCity

Source: NY Department of Taxation and Finance, Publication 718, Sales and Use Tax Rates by Jurisdi… (March 1, 2025 (Publication 718, latest edition on tax.ny.gov as of October 12, 2026); retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (NY 4%)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)
$1,400.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$32,099.00
Monthly payment
$643.81
Total of payments
$38,628.51
Total interest
$6,529.51

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/new-york?price=35000&trade=0&down=5000&rate=7.54&term=60&tax=4&doc=699&title=0&local=0

New York car loan, at a glance: state vehicle tax 4% (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 $644/mo, financing $32,099 incl. $1,400 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.

New York car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
4%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
4%
Trade-in tax creditBest-effort. Confidence: medium.
Allowed
Doc fee capNew York caps dealer documentation fees (reported $175).
$175
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): NY Department of Taxation and Finance, Publication 718, Sales and Use Tax Rates by Jurisdiction; NY DTF, Motor Vehicles, Vessels, and Trailers (tax is based on where the purchaser resides) (retrieved October 12, 2026). Rates are the full combined rate (4% state + county/city + 0.375% MCTD where marked). Use the county/city where you live; the DMV collects at your residence rate. Data file: ny.json.

New York mortgage calculator → · New York car sales tax calculator · All states

FAQ

What is the car sales tax in New York?

4% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 4% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

Does New York give a sales tax credit for a trade-in?

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

Does New York add county or city tax on a car?

Yes. Rates are the full combined rate (4% state + county/city + 0.375% MCTD where marked). Use the county/city where you live; the DMV collects at your residence rate. The calculator fills the exact rate when you pick your county and city (NY Department of Taxation and Finance, Publication 718, Sales and Use Tax Rates by Jurisdiction, March 1, 2025 (Publication 718, latest edition on tax.ny.gov as of October 12, 2026)). Verify with your county clerk.

Does New York cap dealer doc fees?

Reportedly yes, at about $175. New York caps dealer documentation fees (reported $175). This calculator defaults to $699, editable.

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

With $5,000 down, no trade-in, the $699 doc fee, 4% state tax and 7.54% APR for 60 months, about $644 a month ($6,530 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.