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Oregon auto loan calculator

Estimated monthly car payment in Oregon

$616/mo

60 months at 7.54% APR · amount financed $30,699

Sales tax 0% on $35,000$0.00
Dealer doc fee$699.00
⚠ Reported OR doc-fee cap: $250
Total interest$6,244.72
Total cost (price + tax + fees + interest)$41,944

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

Loan breakdown

Vehicle price
$35,000
− Trade-in
$0
− Down payment
$5,000
+ Sales tax (no state sales tax)
$0.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$30,699.00
Monthly payment
$615.73
Total of payments
$36,943.72
Total interest
$6,244.72

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.

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Oregon car loan, at a glance: state vehicle tax 0% (No sales tax; a 0.5% vehicle privilege tax applies to new vehicles bought from Oregon dealers.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $616/mo, financing $30,699 incl. $0 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.

Oregon car-buying taxes & fees

State vehicle taxNo sales tax; a 0.5% vehicle privilege tax applies to new vehicles bought from Oregon dealers. Confidence: medium.
0%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
0%
Trade-in tax creditBest-effort. Confidence: high.
N/A (no state sales tax)
Doc fee capOregon caps documentation fees (reported $200, or $250 with an integrator).
$250
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.
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.

Oregon mortgage calculator → · All states

FAQ

What is the car sales tax in Oregon?

0% at the state level. No sales tax; a 0.5% vehicle privilege tax applies to new vehicles bought from Oregon dealers. Statewide general sales tax: 0% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

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

Oregon has no state sales tax on vehicles, so a trade-in credit doesn't apply. (Best-effort; verify with the state DMV or revenue department.)

Does Oregon cap dealer doc fees?

Reportedly yes, at about $250. Oregon caps documentation fees (reported $200, or $250 with an integrator). This calculator defaults to $699, editable.

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

With $5,000 down, no trade-in, the $699 doc fee, 0% state tax and 7.54% APR for 60 months, about $616 a month ($6,245 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.