AutoLoanByState
MI vehicle financing

Michigan Auto Loan Calculator

Estimate a Michigan car payment with 6% sales tax, the 2026 dealer trade-in credit cap, and value-based registration considerations.

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Michigan state guide

Michigan vehicle sales tax

Michigan applies 6% sales/use tax. For 2026 dealer purchases, eligible trade-in value can reduce the tax base up to $12,000. Private transfers can be taxed on fair market value when it exceeds stated purchase price.

Title and registration

The calculator includes the $15 title fee. Registration for most newer passenger vehicles is based on original MSRP/base price and model year, so the final registration amount remains external/manual.

Worked example

A 2026 dealer purchase with a $15,000 trade-in receives up to $12,000 of trade-in tax credit under the current cap.

Calculate your own scenario

Adjust the vehicle price, trade-in, financing terms, and other inputs above to estimate your own Michigan vehicle purchase.

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