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WA vehicle financing

Washington Auto Loan Calculator

Estimate a Washington auto loan with state/local sales tax, the 2026 motor-vehicle surcharge and the current luxury motor vehicle tax threshold.

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Washington state guide

Washington vehicle taxes

Washington applies 6.5% state retail sales/use tax plus the destination/local rate and an additional 0.5% motor-vehicle tax. From July 1, 2026 through June 30, 2027, the separate 8% luxury motor vehicle tax applies to selling price above $102,000. A qualifying like-kind trade-in reduces ordinary sales/use-tax value but is added back for the luxury threshold calculation.

Title and registration

The calculator includes the $15 title application fee. Tabs vary by vehicle weight and location, including RTA/TBD charges; EVs can also incur multiple electrification fees, so registration stays external.

Worked example

A $120,000 sale has an additional luxury-tax base of $18,000 during the current $102,000 deduction period, independent of the ordinary trade-in deduction.

Calculate your own scenario

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

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