AutoLoanByState
TX vehicle financing

Texas Auto Loan Calculator

Estimate a Texas auto loan with 6.25% motor vehicle sales/use tax, dealer trade/rebate treatment, private Standard Presumptive Value safeguards and current registration charges.

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Texas state guide

Texas motor vehicle sales/use tax

Texas applies 6.25% motor vehicle tax. Dealer transactions can deduct qualifying trade-in and rebate amounts. For a private used-vehicle sale, tax is generally based on the greater of purchase price or 80% of Standard Presumptive Value unless an allowed appraisal rule applies.

Title and registration

Texas title application is $28 or $33 depending on county, so title remains external. The calculator uses the $51.75 passenger registration baseline and adds the current $200 annual EV charge; county and inspection-related charges can increase the final amount.

Worked example

If a private used vehicle is bought for $12,000 and 80% of its Standard Presumptive Value is $16,000, the $16,000 value is the taxable base absent an applicable appraisal exception.

Calculate your own scenario

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

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