AutoLoanByState
PA vehicle financing

Pennsylvania Auto Loan Calculator

Estimate a Pennsylvania auto loan with 6% state tax, higher Philadelphia/Allegheny rates, trade-in credit and current EV road-user charges.

Need to compare another location? View all 50 state auto loan calculators.

Loading calculator...

Pennsylvania state guide

Pennsylvania vehicle sales/use tax

Pennsylvania generally applies 6% sales/use tax, 7% for Allegheny County residents, and 8% for Philadelphia residents. A qualifying trade-in reduces taxable purchase price. The calculator does not deduct a manufacturer rebate from the tax base.

Title and registration

The calculator includes the $72 title fee and $48 passenger registration baseline. For 2026, EVs add a $250 annual road-user charge and plug-in hybrids add $63. County local-use and agent/transaction fees can still apply.

Worked example

Outside Philadelphia and Allegheny County, a $30,000 purchase with a $5,000 qualifying trade-in uses a $25,000 base before the 6% state rate.

Calculate your own scenario

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

Open the main auto loan calculator →