Texas Auto Loan Calculator
Calculate your car payment in Texas with accurate TX state tax rates, local taxes, and TxDMV fees. Get precise monthly payment estimates for your auto loan in the Lone Star State.
Texas Auto Loan Details
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Auto Loan Information for Texas Residents
🏛️ Texas Tax Structure
State Rate: 6.25%
Local Taxes: Up to 2.0%
Total Range: 6.25% - 8.25%
Texas has no state income tax, but sales tax applies to vehicle purchases. Most major cities have the maximum 8.25% combined rate.
🚗 TxDMV Fees & Registration
- Title Fee: $33
- Registration: $50.75 + local fees
- License Plates: $6.05
- State Inspection: $25.50
- Emissions Test: $27.50 (certain counties)
New residents have 30 days to register vehicles in Texas.
💰 Financing Tips for TX
- Credit unions like EECU and RBFCU offer competitive rates
- No state income tax means more take-home pay for car payments
- Consider gap insurance for newer vehicles
- Shop during model year-end for best dealer incentives
- Military personnel may qualify for additional discounts
📍 Major City Tax Rates
Texas Auto Loan FAQ
Texas has a 6.25% state sales tax on vehicles, with local taxes up to 2.0% additional. Most major cities (Houston, Dallas, Austin, Fort Worth) have the maximum 8.25% combined rate. The tax applies to the vehicle purchase price minus trade-in value.
Basic TxDMV fees include title ($33), registration ($50.75 plus local fees), and license plates ($6.05). Add state inspection ($25.50) and emissions testing ($27.50 in certain counties). Total fees typically range from $150-$200 for most vehicles.
Yes, you must pay sales tax when registering any vehicle in Texas, whether purchased from a dealer or private party. The tax is based on the vehicle's value as determined by TxDMV or the purchase price, whichever is higher.
As of 2024, competitive Texas auto loan rates range from 4-7% for new cars and 5-9% for used cars, depending on credit score and term. Texas credit unions like Educational Employees CU and Randolph-Brooks FCU often offer excellent rates to members.
New Texas residents must register their vehicles within 30 days of establishing residency. You'll need to obtain a Texas driver's license and register your vehicle at the same time. Active military personnel may be exempt from this requirement.