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Pennsylvania auto loan calculator

Estimated monthly car payment in Pennsylvania

$658/mo

60 months at 7.54% APR · amount financed $32,799

State tax 6% on $35,000$2,100.00
Total sales tax$2,100.00
Dealer doc fee$699.00
Total interest$6,671.90
Total cost (price + tax + fees + interest)$44,471

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 $0

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? Where you live / register the car.

County

Source: PA Department of Revenue, Sales, Use and Hotel Occupancy Tax: 6% state, plus 1% Allegheny … (Current (unchanged since 2009); retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (PA 6%)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)
$2,100.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$32,799.00
Monthly payment
$657.85
Total of payments
$39,470.90
Total interest
$6,671.90

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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Pennsylvania 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.

Pennsylvania 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 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 (exact county/city table): PA Department of Revenue, Sales, Use and Hotel Occupancy Tax: 6% state, plus 1% Allegheny County and 2% Philadelphia local tax; PennDOT MV-4ST: local sales tax applies to vehicles when the purchaser resides/registers in Allegheny County or Philadelphia (retrieved October 12, 2026). Only Allegheny County (1%) and Philadelphia (2%) add local tax; every other county is the 6% state rate. Data file: pa.json.

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

FAQ

What is the car sales tax in Pennsylvania?

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 Pennsylvania give a sales tax credit for a trade-in?

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

Does Pennsylvania add county or city tax on a car?

Yes. Only Allegheny County (1%) and Philadelphia (2%) add local tax; every other county is the 6% state rate. The calculator fills the exact rate when you pick your county (PA Department of Revenue, Sales, Use and Hotel Occupancy Tax: 6% state, plus 1% Allegheny County and 2% Philadelphia local tax, Current (unchanged since 2009)). Verify with your county clerk.

Does Pennsylvania 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 Pennsylvania?

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.