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State: Tennessee

Tennessee Auto Loan Calculator 2026

Calculate your car payment in Tennessee with 7% state sales tax included. Monthly payments shown for $25K–$75K vehicles using a 60-month loan at 7.05% APR.

$35K Car · 60mo · 20% Down

$603.67/mo

Total interest: $5770 over 60 months

Amount Financed

$30,450

Sales Tax (35K car)

$2450

State Tax Rate

Loan APR

7.05%

Loan Term

60 months

Down Payment

20%

Tennessee Car Payment by Vehicle Price (60-month, 20% down)

Car Price	Sales Tax	Amt Financed	Monthly Pmt	Total Interest
$25,000	$1750	$21,750	$431.19	$4121
$35,000	$2450	$30,450	$603.67	$5770
$45,000	$3150	$39,150	$776.14	$7418
$55,000	$3850	$47,850	$948.62	$9067
$65,000	$4550	$56,550	$1121.09	$10716
$75,000	$5250	$65,250	$1293.57	$12364

Assumes 20% down payment, 0 trade-in, 7.05% APR (Federal Reserve avg 60-month), 7% Tennessee state sales tax. Local taxes not included.

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Frequently Asked Questions — Tennessee

What is the car sales tax in Tennessee?: Tennessee's state sales tax rate on vehicle purchases is 7%. On a $35,000 car, that's $2,450 in sales tax added to the purchase price before financing.
How much is a $35,000 car payment in Tennessee?: In Tennessee, a $35,000 car with 20% down ($7,000), 7% sales tax ($2450), and a 60-month loan at 7.05% APR results in a financed amount of $30,450 and a monthly payment of approximately $603.67. Total interest paid over 60 months: $5770.
Does Tennessee sales tax apply to vehicle purchases?: Yes. Tennessee applies a 7% state sales tax to vehicle purchases. The tax is typically calculated on the purchase price minus any manufacturer rebates (rules vary by state). Local county and city taxes may add additional percentage points on top of the state rate.
Should I buy a car in a neighboring no-tax state?: Buying a car in a no-sales-tax state (Alaska, Delaware, Montana, New Hampshire, Oregon) to avoid Tennessee's 7% tax may seem appealing, but most states require you to pay your home state's sales/use tax when you register the vehicle. Unless you establish residency there, you'll likely owe the 7% use tax when registering in Tennessee.

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Tennessee Auto Loan Calculator 2026

Calculate your car payment in Tennessee with 7% state sales tax included. Monthly payments shown for $25K–$75K vehicles using a 60-month loan at 7.05% APR.

$35K Car · 60mo · 20% Down

$603.67/mo

Total interest: $5770 over 60 months

Amount Financed

$30,450

Sales Tax (35K car)

$2450

State Tax Rate

Loan APR

7.05%

Loan Term

60 months

Down Payment

20%

Tennessee Car Payment by Vehicle Price (60-month, 20% down)

Car Price	Sales Tax	Amt Financed	Monthly Pmt	Total Interest
$25,000	$1750	$21,750	$431.19	$4121
$35,000	$2450	$30,450	$603.67	$5770
$45,000	$3150	$39,150	$776.14	$7418
$55,000	$3850	$47,850	$948.62	$9067
$65,000	$4550	$56,550	$1121.09	$10716
$75,000	$5250	$65,250	$1293.57	$12364

Assumes 20% down payment, 0 trade-in, 7.05% APR (Federal Reserve avg 60-month), 7% Tennessee state sales tax. Local taxes not included.

Frequently Asked Questions — Tennessee

What is the car sales tax in Tennessee?

Tennessee's state sales tax rate on vehicle purchases is 7%. On a $35,000 car, that's $2,450 in sales tax added to the purchase price before financing.

How much is a $35,000 car payment in Tennessee?

In Tennessee, a $35,000 car with 20% down ($7,000), 7% sales tax ($2450), and a 60-month loan at 7.05% APR results in a financed amount of $30,450 and a monthly payment of approximately $603.67. Total interest paid over 60 months: $5770.

Does Tennessee sales tax apply to vehicle purchases?

Yes. Tennessee applies a 7% state sales tax to vehicle purchases. The tax is typically calculated on the purchase price minus any manufacturer rebates (rules vary by state). Local county and city taxes may add additional percentage points on top of the state rate.

Should I buy a car in a neighboring no-tax state?

Buying a car in a no-sales-tax state (Alaska, Delaware, Montana, New Hampshire, Oregon) to avoid Tennessee's 7% tax may seem appealing, but most states require you to pay your home state's sales/use tax when you register the vehicle. Unless you establish residency there, you'll likely owe the 7% use tax when registering in Tennessee.