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Utah auto loan calculator

Estimated monthly car payment in Utah

$233/mo

60 months at 7.54% APR · amount financed $11,614

State tax 6.1% on $15,000$915.00
Total sales tax$915.00
Dealer doc fee$699.00
Total interest$2,362.49
Total cost (price + tax + fees + interest)$38,976

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 $20,000

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? Your home address (Utah taxes a vehicle at the rate where it's registered/delivered; use where you live if unsure).

CountyCity

Source: Utah State Tax Commission, Rates Applied to Certain Transactions, effective October 1, 202… (October 1, 2026; retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (UT 6.1%)Local tax % (auto-filled or enter yours)Dealer documentation fee $Title/registration $ (enter yours)

Loan breakdown

Vehicle price
$35,000
− Trade-in
$20,000
− Down payment
$5,000
+ Sales tax (full trade-in credit applied)
$915.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$11,614.00
Monthly payment
$232.94
Total of payments
$13,976.49
Total interest
$2,362.49

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/utah?price=35000&trade=20000&down=5000&rate=7.54&term=60&tax=6.1&doc=699&title=0&local=0

Utah car loan, at a glance: state vehicle tax 6.1% (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 $659/mo, financing $32,834 incl. $2,135 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.

Utah car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
6.1%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
6.1%
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): Utah State Tax Commission, Rates Applied to Certain Transactions, effective October 1, 2026 (Resort Exempt column for motor vehicles); Utah State Tax Commission, Sales & Use Tax Rates (retrieved October 12, 2026). Utah's state rate here (6.1%) is the 4.85% state tax plus the 1.25% statewide local option; the local figure is every other county/city/transit option. Motor vehicles are exempt from resort-community tax, so we use the Tax Commission's 'Resort Exempt' rate where one applies (e.g. Salt Lake City 7.45%, not 8.45%). Data file: ut.json.

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

FAQ

What is the car sales tax in Utah?

6.1% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 6.1% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

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

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

Does Utah add county or city tax on a car?

Yes. Utah's state rate here (6.1%) is the 4.85% state tax plus the 1.25% statewide local option; the local figure is every other county/city/transit option. Motor vehicles are exempt from resort-community tax, so we use the Tax Commission's 'Resort Exempt' rate where one applies (e.g. Salt Lake City 7.45%, not 8.45%). The calculator fills the exact rate when you pick your county and city (Utah State Tax Commission, Rates Applied to Certain Transactions, effective October 1, 2026 (Resort Exempt column for motor vehicles), October 1, 2026). Verify with your county clerk.

Does Utah 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 Utah?

With $5,000 down, no trade-in, the $699 doc fee, 6.1% state tax and 7.54% APR for 60 months, about $659 a month ($6,679 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.