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Tennessee auto loan calculator

Estimated monthly car payment in Tennessee

$451/mo

60 months at 7.54% APR · amount financed $22,493

State tax 7% on $25,000$1,750.00
State single-article 2.75% on $1,600–$3,200$44.00
Total sales tax$1,794.00
Dealer doc fee$699.00
Total interest$4,575.47
Total cost (price + tax + fees + interest)$42,068

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 $10,000

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? Dealer sale: the dealer's county/city. Private sale: where you title the car. Local tax only applies to the first $1,600, so Tennessee locations differ by about $20 at most.

CountyCityOr ZIP code

Source: Tennessee Department of Revenue, Streamlined Sales Tax rate file TNR2026Q4AUG21 and bounda… (October 1, 2026 quarter (rates in effect October 12, 2026); retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (TN 7%)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)
$1,794.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$22,493.00
Monthly payment
$451.14
Total of payments
$27,068.47
Total interest
$4,575.47

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/tennessee?price=35000&trade=10000&down=5000&rate=7.54&term=60&tax=7&doc=699&title=0&local=0

Tennessee car loan, at a glance: state vehicle tax 7% (Local option tax (up to 2.75%) applies to the first $1,600, plus a 2.75% state single-article tax on $1,600–$3,200; adds up to about $88.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $666/mo, financing $33,193 incl. $2,494 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.

Tennessee car-buying taxes & fees

State vehicle taxLocal option tax (up to 2.75%) applies to the first $1,600, plus a 2.75% state single-article tax on $1,600–$3,200; adds up to about $88. Confidence: medium.
7%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
7%
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): Tennessee Department of Revenue, Streamlined Sales Tax rate file TNR2026Q4AUG21 and boundary file TNB2026Q4AUG21; TN DOR, Single Article Special Tax Rates (local tax on first $1,600; state single-article 2.75% on $1,600.01-$3,200); TN DOR, Single Article Local Tax Base Limitation chart (Hamblen $300, Hancock $375, Morristown $1,600); TN DOR Important Notice 24-11, Davidson County 0.5% transit surcharge (first $1,600, $44 local cap); US Census Bureau 2020 FIPS county/place names (retrieved October 12, 2026). The 7% state rate applies to the full taxable price (after trade-in). The local rate applies only to the first $1,600 (so at most $44 at 2.75%), plus a 2.75% state single-article tax on the portion from $1,600.01 to $3,200 (at most $44). Dealer-installed accessories count toward the single article. Trade-in value is subtracted before tax. Data file: tn.json.

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

FAQ

What is the car sales tax in Tennessee?

7% at the state level. Local option tax (up to 2.75%) applies to the first $1,600, plus a 2.75% state single-article tax on $1,600–$3,200; adds up to about $88. Statewide general sales tax: 7% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

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

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

Does Tennessee add county or city tax on a car?

Yes. The 7% state rate applies to the full taxable price (after trade-in). The local rate applies only to the first $1,600 (so at most $44 at 2.75%), plus a 2.75% state single-article tax on the portion from $1,600.01 to $3,200 (at most $44). The calculator fills the exact rate when you pick your county and city (Tennessee Department of Revenue, Streamlined Sales Tax rate file TNR2026Q4AUG21 and boundary file TNB2026Q4AUG21, October 1, 2026 quarter (rates in effect October 12, 2026)). Verify with your county clerk.

Does Tennessee 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 Tennessee?

With $5,000 down, no trade-in, the $699 doc fee, 7% state tax and 7.54% APR for 60 months, about $666 a month ($6,752 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.