Arizona Car Loan Calculator

Buying a car in Arizona is not a flat 5 percent sales tax, and it is not Georgia’s title tax. A dealer sale is transaction privilege tax (TPT) at a 5.6 percent state retail rate—5 percent plus a 0.6 percent addition through 30 June 2041. Arizona also charges a separate annual vehicle license tax (VLT) on manufacturer’s base retail, not on the negotiated price. This guide shows how an Arizona auto loan estimate is built from official government figures, and which numbers you must type yourself.

Whether you buy at an Arizona dealer, from a private party, or out of state, the contract depends on how you buy, whether a trade-in or assigned manufacturer rebate reduces TPT, and whether you finance tax, title, tag, air-quality amounts, and VLT or pay them in cash. The examples below let you sanity-check a calculator or dealer worksheet before you sign.

If you have already used an Arizona auto loan calculator online, this guide shows what should be happening behind those numbers. Arizona does not use Georgia TAVT. A $38,000 Arizona dealer purchase (no trade, state rate only) produces $2,128 of state TPT—not $2,660 of TAVT and not $760 of Alabama’s 2 percent auto tax.

What Makes Arizona Different From Most States

Arizona does not charge a title ad valorem tax. A dealer sale is TPT on the retail classification. An Arizona resident who buys from an out-of-state dealer generally pays use tax at first Arizona registration if Arizona tax was not already paid at a rate at least equal to Arizona’s. The state retail rate is 5 percent under A.R.S. § 42-5010(A)(1)(l), plus 0.6 percent under A.R.S. § 42-5010.01 from 1 July 2021 through 30 June 2041—together 5.6 percent. Do not drop the 0.6 point.

County excise taxes piggyback on the state retail class and vary by county. City privilege tax is extra and varies by city. There is no official statewide combined buyer-facing rate, so locality stays user-entered (default 0 percent). In-state dealer TPT is sourced to the seller’s business location, not the buyer’s home county. Use tax on an out-of-state purchase uses the vehicle domicile / buyer address. Look up rates on the ADOR TPT Rate Table and Vehicle Use Tax Calculator (do not scrape).

Important: Do not use Georgia’s 7% TAVT. Do not use Alabama’s 2% automotive rate. Do not use 5.0% state TPT without the 0.6 point in § 42-5010.01. A $38,000 Arizona dealer purchase with no trade and no local tax in the illustration produces $2,128.00 of state TPT. Phoenix “about 8.6%” is not an official default.

Arizona also charges vehicle license tax, which is the state’s substitute for personal-property tax. VLT is not sales tax and is not computed on the negotiated price. A.R.S. § 28-5801 uses manufacturer’s base retail (the window-sticker / MVD figure). Cash down does not reduce TPT. Rolling tax into the loan finances the tax; it does not change the tax. Negative equity on a trade does not create extra TPT—it only increases what you borrow.

References:

• A.R.S. § 42-5010(A)(1) — 5% state retail TPT
• A.R.S. § 42-5010.01 — additional 0.6% through 30 June 2041
• ADOR Motor Vehicle Sales / Vehicle Use Tax Calculator
• ADOR TPT Rate Table (monthly; August / September 2026 files posted)

Official Arizona Fees You Can Rely On (2026)

Some costs are fixed by statute or published by ADOT MVD and ADOR. Use these as defaults—not industry averages. Doc fees have no statutory dollar cap; A.R.S. § 44-1371(B) requires a clear advertisement if one will be charged. If charged, the fee is in TPT gross proceeds. The calculator default is $0.

Item	Official amount	Source
State TPT / use tax	5.6%	A.R.S. §§ 42-5010(A)(1) + 42-5010.01
County excise + city privilege	User-entered (default 0%)	ADOR TPT Rate Table; no statewide combined rate
Certificate of title	$4	A.R.S. § 28-2003(A)(1); ADOT Vehicle Title
Passenger registration	$8 / year	A.R.S. § 28-2003(A)(3)
Motorcycle registration	$9 / year	A.R.S. § 28-2003(A)(3)
Air quality research fee	$1.50 / year (ICE)	A.R.S. § 49-551(A). Electrically powered vehicles exempt — § 49-551(E)
Air quality compliance fee	$0.25 in Area A / Area B; else $0	A.R.S. § 49-542(E). Statewide illustration default $0
Vehicle license tax (VLT)	Formula, not a flat dollar	A.R.S. § 28-5801; ServiceArizona fees
90-day nonresident permit	$15	A.R.S. §§ 28-2003(A)(5), 28-2154
Lemon Law purchase surcharge	None	A.R.S. §§ 44-1261–44-1265 is a warranty remedy
Extra EV annual registration	None after 1 Jan 2023	ADOT; A.R.S. § 28-5801 alignment
APR prefill (new-car illustration)	7.14%	Federal Reserve G.19, 60-month new-car bank, Q2 2026

ADOT’s out-of-state estimator lists title $4, registration $8, air quality $1.50, plus VLT. Apply for title within 15 days of purchase. Emissions-inspection price under § 49-543 is not a statewide dollar default—leave it $0 unless you know the amount.

Example 1: Official fee stack on a new passenger car (ICE)

Scenario: You buy a gasoline passenger car at an Arizona dealer. No Area A/B compliance fee is entered. Manufacturer’s base retail for VLT is treated as $38,000 so year-1 VLT can be shown from the statute.

Title (A.R.S. § 28-2003(A)(1)): $4.00 Passenger registration (§ 28-2003(A)(3)): $8.00 Air quality research fee (§ 49-551(A)): $1.50 Year-1 VLT on $38,000 MBR (§ 28-5801): $638.40 ———————————————- Official fee subtotal: $651.90

That $651.90 is not sales tax. State TPT is a separate 5.6% line on the TPT base. Doc fee is $0 in this illustration because there is no official average and no statutory cap.

Example 2: Same car, electrically powered (BEV)

Scenario: Same purchase, but the vehicle is electrically powered. A.R.S. § 49-551(E) exempts electrically powered vehicles from the $1.50 air-quality research fee. There is still no extra EV annual registration after the 1 January 2023 VLT alignment. VLT uses the same § 28-5801 formula as other vehicles first registered on or after that date.

Title: $4.00 Passenger registration: $8.00 Air quality research fee (BEV exempt): $0.00 Year-1 VLT (same MBR, same formula): $638.40 ———————————————- Official fee subtotal: $650.40

Do not add a proposed extra EV registration dollar that is not in current § 28-2003. Bills such as HB 2866 are not law for this calculator.

References:

• A.R.S. § 28-2003 — title $4, passenger registration $8, motorcycle $9
• A.R.S. § 28-5801 — VLT formula; ServiceArizona fees
• A.R.S. § 49-551 — air quality $1.50; electrically powered vehicles exempt at (E)
• A.R.S. § 49-542(E) — $0.25 Area A / Area B compliance
• ADOT Vehicle Title; ADOT Out-of-State Vehicles estimator

How Arizona TPT / Use Tax Is Calculated

The tax base is not always the sticker price, and it is not always the same as the amount you finance. Cash down never comes out of the TPT base. Freight, delivery, extra equipment, and dealer/doc/processing charges sit in gross proceeds—no statutory exclusion was located for those dealer charges. Qualifying trade-ins, assigned manufacturer cash rebates, separately stated warranties/service contracts, and government fees remitted as title, registration, VLT, and air-quality amounts sit out of the TPT base when they qualify.

Arizona dealer, new or used

TPT is on gross proceeds minus a qualifying trade-in (A.R.S. § 42-5001(6); Arizona Administrative Code R15-5-132, limited to gross receipts on that sale) minus an assigned manufacturer cash rebate (A.R.S. § 42-5061(L)(1); ADOR deduction 501). The rebate reduces tax only if the buyer assigns it to the retailer. A used-dealer sale uses the same 5.6% state rate as a new-dealer sale. There is no official used-car APR; the Federal Reserve G.19 series does not publish one.

Example 1: New dealer, no trade, state rate only

Scenario: $38,000 selling price, $0 doc, no trade, no assigned rebate, county and city left at 0% for the statewide illustration.

TPT base: $38,000.00 State rate: 5.6% State TPT: $38,000 × 0.056 = $2,128.00 County + city (user-entered): $0.00 ———————————————- TPT / use tax: $2,128.00

Add your county excise and city privilege on the same $38,000 before quoting a real city. In-state dealer TPT is sourced to the dealer’s location, not your home county.

Example 2: Used dealer with a qualifying trade-in

Scenario: $18,500 price (includes doc), $3,000 qualifying automotive trade-in, assigned manufacturer rebate $0, state 5.6% only.

Price (includes doc): $18,500.00 Qualifying trade-in: −$3,000.00 Assigned manufacturer rebate: $0.00 TPT base: $15,500.00 State TPT: $15,500 × 0.056 = $868.00

A “trade” that is not a qualifying vehicle trade-in on that sale does not get this deduction. VLT is not 60% of $18,500. VLT follows § 28-5801 from manufacturer’s base retail and years since initial registration.

Private-party / casual sale

A casual sale is not TPT and not use tax (A.R.S. § 42-5001(1); AAC R15-5-102; ADOR use-tax FAQ). A “trade” does not create a TPT deduction on a casual sale because there is no TPT line. The buyer still pays title $4, registration $8, air quality $1.50 if the vehicle is not electrically powered, VLT, and any Area A/B compliance $0.25, typically cash at MVD / AZ MVD Now. Apply for title within 15 days.

Example 1: Private-party car at $18,500

Scenario: Same $18,500 price as the used-dealer example, bought from a seller who is not in the business of selling vehicles.

TPT / use tax on a casual sale: $0.00 Title: $4.00 Passenger registration: $8.00 Air quality (ICE): $1.50 VLT: user-entered from MBR and year of life

Do not copy the used-dealer $868 TPT onto this deal. The private-party tax line is zero.

A handshake “trade” between neighbors does not create an Arizona TPT deduction. Each buyer still pays MVD title, tag, air quality, and VLT on the vehicle they will register. Title and VLT follow that vehicle, not a dealer worksheet.

Out-of-state dealer, Arizona resident

Use tax is generally due on the purchase price (plus additions that make the vehicle more valuable) minus documented tax paid to another state, down to Arizona’s 5.6% plus city. Trade-in follows the billed purchase—do not invent a credit. Follow the billed price; do not invent a rebate cut unless it is documented. ADOR’s Vehicle Use Tax Calculator and the ADOT/ADOR collection partnership are the official tools.

Example 1: No tax paid to the other state

Scenario: Arizona resident buys from an out-of-state dealer for $38,000. No documented tax was paid elsewhere. County and city left at 0% in this illustration.

Use-tax base (billed purchase): $38,000.00 Arizona 5.6% use tax: $2,128.00 Credit for tax paid to another state: $0.00 ———————————————- Arizona use tax: $2,128.00

If the same $38,000 billed price already carried $1,500 of documented tax paid to another state, remaining Arizona use tax in a state-only illustration is $2,128.00 − $1,500.00 = $628.00. Add city privilege at the vehicle domicile. Do not invent a trade-in cut on an out-of-state invoice that does not show one.

Nonresident buying in Arizona

Reduced state/county TPT may apply if A.R.S. § 42-5061(U) / (A)(28) applies—Form 5011, 90-day nonresident permit ($15), out-of-state driver’s license. City privilege still applies if you take delivery in Arizona unless the dealer delivers out of state. The brief does not publish a substitute reduced percent, so the calculator omits 5.6% state and county on that channel and still applies the city rate you enter. Verify with ADOR. Trade-in and assigned-rebate rules match an Arizona dealer.

References:

• A.R.S. § 42-5001(6); AAC R15-5-132 — trade-ins
• A.R.S. § 42-5061(L)(1) — assigned manufacturer cash rebate (ADOR deduction 501)
• A.R.S. § 42-5001(1); AAC R15-5-102 — casual sales
• A.R.S. § 42-5061(U)/(A)(28) — nonresident; Form 5011
• ADOR Understanding Use Tax; ADOR Motor Vehicle Sales

Vehicle License Tax: Not Sales Tax, Not Sale Price

TPT (or use tax) is a one-time privilege or use tax on the retail sale. VLT is a separate annual tax on manufacturer’s base retail. The calculator takes that figure from you (window sticker / MVD) and must not silently reuse the negotiated sale price.

For the first 12 months of the vehicle’s life (initial registration), assessed value is 60% of manufacturer’s base retail, and the rate is $1.26 + $0.69 + $0.16 + $0.69 = $2.80 per $100 of value. For each succeeding 12 months, value is 16.25% less than the prior year, and the rate is $1.30 + $0.71 + $0.17 + $0.71 = $2.89 per $100. The minimum is $10 per year. Alternative-fuel VLT discount does not apply to vehicles first registered on or after 1 January 2023; those vehicles use the same § 28-5801 formula as other vehicles.

Example 1: Year-1 VLT on $38,000 manufacturer’s base retail

Scenario: New vehicle. Manufacturer’s base retail from the window sticker is $38,000. This is the official illustration in the 29 August 2026 brief.

Manufacturer’s base retail: $38,000.00 Year-1 assessed value: 60% × $38,000 = $22,800.00 Hundreds of value: $22,800 ÷ $100 = 228 Year-1 rate: $2.80 per $100 VLT: 228 × $2.80 = $638.40 Minimum $10 does not apply because $638.40 is higher.

If the negotiated sale price were $35,000 on a $38,000 sticker, VLT would still start from $38,000 base retail—not from $35,000.

Example 2: Year-2 VLT on the same $38,000 base retail

Scenario: Same vehicle after the first 12 months of life. Statute: value is 16.25% less than the prior year; rate is $2.89 per $100.

Prior-year assessed value: $22,800.00 Year-2 value: $22,800 × (1 − 0.1625) = $22,800 × 0.8375 = $19,095.00 Year-2 rate: $2.89 per $100 VLT: ($19,095 ÷ $100) × $2.89 = $551.85

That year-2 figure is the statutory formula applied to the same $38,000 base retail. It is not a published ADOT dollar table. Used cars past the first 12 months of life use this later-year rate. Enter the correct VLT year of life and the manufacturer’s base retail; do not compute VLT from the $18,500 used-car selling price.

Important: VLT is not TPT. TPT on a $38,000 dealer sale at the 5.6% state rate is $2,128.00. Year-1 VLT on $38,000 manufacturer’s base retail is $638.40. Adding them together in a fee stack is correct; treating VLT as “sales tax on the sale price” is not.

References:

• A.R.S. § 28-5801 — VLT assessed value and rates
• ServiceArizona fees — VLT formula
• ADOT Out-of-State Vehicles estimator — title $4, registration $8, air quality $1.50, plus VLT

Official Auto Loan Rates (Federal Reserve G.19)

There is no Arizona statewide official APR series. The official U.S. series is the Federal Reserve G.19 Consumer Credit release (Regulation Z APRs). The current release dated 7 August 2026 reports June / Q2 2026 data. Bank rates are unweighted averages of each bank’s most common rate in the first calendar week of the middle month of the quarter—not origination-weighted, and not Arizona-specific.

Series	Rate	Period
Commercial-bank 60-month new-car	7.14%	Q2 2026
Commercial-bank 72-month new-car	6.97%	Q2 2026
Finance-company new-car (amount-weighted)	6.1% (Q1) / 6.08% (Mar 2026, FRED RIELPCFANNM)	2026

Do not treat the 72-month bank print sitting below 60-month as “longer terms are cheaper.” G.19 says that is the banks’ “most common” quoted mix, not a term premium. G.19 does not publish a used-car APR. A calculator must not invent one. Prefill 7.14% only as the G.19 60-month new-car bank average for new vehicles. For used vehicles, enter your lender quote, or illustrate at 7.14% and label it as the official new-car bank rate. Sixty months is a reasonable term chip because G.19 publishes a 60-month series. Do not treat 84 months as official.

Context (not a calculator default): effective federal funds 3.63% (H.15, 21–27 August 2026); bank prime 6.75%. Amortize at the user’s contract rate (A.R.S. § 44-291(A)). This is an estimate, not a TILA quote or a lender offer.

Example 1: New-car illustration at the official 7.14%

Scenario: Amount financed $34,200 (price $38,000 minus 10% down, tax and fees paid in cash). Term 60 months. Rate 7.14%.

Monthly rate i = 7.14% ÷ 12 = 0.595% Payment M = P × [i(1+i)^n] / [(1+i)^n − 1] M rounded ROUND_HALF_UP to cents: $679.46

That $679.46 is the cash-tax Example B monthly payment. It is not a lender’s Regulation Z disclosure.

For an $18,500 used dealer purchase, G.19 still has no used-car series. Do not invent a “used official APR.” Enter the lender’s quote, or illustrate at 7.14% and label it as the official 60-month new-car bank rate. Credit-score presets do not belong here: there is no government APR-by-FICO table.

References:

• Federal Reserve G.19 current release (7 August 2026)
• Federal Reserve H.15; FRED RIELPCFANNM
• A.R.S. § 44-291(A) — contract rate on motor vehicle time sales

How the Arizona Auto Loan Calculator Builds a Payment

The calculator builds the TPT/use-tax base from the purchase channel, adds official title, registration, air-quality, and VLT amounts, then amortizes the amount you finance. Rolling a cost into the loan does not change the tax or the fee—only cash due and interest.

1. Purchase channel. Arizona dealer (new or used), private-party / casual, out-of-state dealer (Arizona resident), or nonresident buying in Arizona (Form 5011). Channel decides whether TPT applies, whether trade-in and assigned rebate reduce the base, and whether a credit for tax paid to another state is subtracted.
2. Selling price and doc. Price plus dealer/doc/processing charges that are not already in price. Doc default is $0. If charged, it is in TPT gross proceeds.
3. Trade-in, payoff, assigned rebate. Trade-in reduces dealer TPT when it qualifies. Payoff (negative equity) increases amount financed only. Assigned manufacturer cash rebate reduces dealer TPT and amount financed. Cash down reduces financed principal and cash due; it does not reduce TPT.
4. Local rates. County excise percent and city privilege percent, default 0. Look them up on the ADOR TPT Rate Table. Do not paste a single “Arizona combined” number.
5. Manufacturer’s base retail and VLT year. Year 1 uses 60% × $2.80 per $100. Later years reduce value 16.25% and use $2.89 per $100. If you leave base retail blank, VLT is $0 in the estimate—the tool will not silently copy sale price.
6. Vehicle type. Passenger ICE: registration $8 and air quality $1.50. Motorcycle: registration $9 and air quality $1.50. Electrically powered: registration $8 and air quality $0.
7. Roll flags. Roll TPT/use tax into the loan, and/or roll title, tag, air quality, compliance, and VLT into the loan.
8. APR and term. Prefill 7.14% and 60 months. Monthly rate = APR ÷ 12. Round the payment to cents (ROUND_HALF_UP); last payment clears the residual.

Amount financed ≈ (price − down − trade + payoff − rebate) + rolled TPT/use tax + rolled fees/VLT + financed GAP/warranty. Cash due ≈ down + tax/fees not rolled. GAP and separately stated warranties are not in the TPT base. This is an estimate, not a Regulation Z APR solution.

Example 1: What rolling tax does not change

Scenario: $38,000 dealer price, 5.6% state TPT = $2,128.00.

TPT if you pay cash at signing: $2,128.00 TPT if you roll it into the loan: $2,128.00 The tax is the same. Only interest and cash due change.

If you enter a $38,000 sale price but leave manufacturer’s base retail blank, TPT still uses $38,000 on a dealer deal with no trade ($2,128.00 at 5.6%), but VLT in the estimate is $0.00. The correct year-1 VLT on $38,000 MBR is $638.40. Always enter base retail from the window sticker or MVD. The calculator will not copy sale price into that box.

Complete Worked Examples ($38,000 / 10% Down / 60 Months / 7.14%)

Assumptions for Examples A and B: new Arizona dealer, ICE (air quality $1.50 applies), doc = $0, no trade/rebate/F&I, state 5.6% only (county + city $0 in this illustration—you must add locality), title $4, registration $8, air quality $1.50, no $0.25 Area A/B compliance fee, manufacturer’s base retail treated as $38,000 so year-1 VLT = $638.40, APR = official G.19 60-month bank 7.14%, 60 months, payment rounded ROUND_HALF_UP to cents, last payment residuals.

Example A — Tax + title + tag + VLT rolled into the loan

Scenario: Price $38,000, down $3,800 (10%). You finance the TPT and the official fees.

State TPT = 0.056 × $38,000 = $2,128.00 Fees = $4 + $8 + $1.50 + $638.40 = $651.90 Amount financed P = $38,000 − $3,800 + $2,128.00 + $651.90 = $36,979.90 Monthly payment: $734.69 Cash due at signing: $3,800.00 Total of payments: $44,081.54 Total interest: $7,101.64

Do not copy Georgia TAVT $2,660 onto this deal. Do not copy Alabama’s $760. Add user-entered county + city TPT on the same $38,000 (minus trade/rebate) before quoting a real city.

Example B — Same deal, tax + fees paid in cash

Scenario: Identical car, identical down payment, identical 7.14% / 60 months. TPT and fees are paid at signing instead of financed.

Amount financed P = $38,000 − $3,800 = $34,200.00 Monthly payment: $679.46 Cash due = $3,800 + $2,128.00 + $651.90 = $6,579.90 Total of payments: $40,767.75 Total interest: $6,567.75

Rolling costs $533.89 extra interest versus cash, and $2,779.90 less cash at signing. The monthly payment is $55.23 higher when tax and fees are rolled ($734.69 versus $679.46). Neither figure is a lender offer.

The used-dealer and private-party pictures are in the TPT section above: $18,500 with a $3,000 qualifying trade is $868.00 of state TPT at a dealer; the same $18,500 as a casual sale is $0 TPT, with title, tag, air quality, and VLT still due at MVD.

Official Arizona Lending Notes (Not Line Items)

• No cooling-off on a dealership purchase. FTC / home-solicitation rules do not apply at the lot.
• Late / delinquency (retail installment): up to 5% of the unpaid balance of the installment, on each installment not paid in full by the 10th day after due — A.R.S. § 44-291(C).
• Contract rate: A.R.S. § 44-291(A) allows interest not to exceed the maximum rate set by contract. The calculator amortizes at the user’s contract rate.
• Prepayment of a precomputed finance charge: rebate not by the Rule of 78s — § 44-291(B).
• Secondary motor vehicle finance (title-pawn style) has separate monthly-rate caps in § 44-291(G)—not the new-car bank default.
• Doc fee: no dollar cap; advertise it (§ 44-1371). If charged, it is in the TPT base; if financed, add to principal.
• Lemon Law: A.R.S. §§ 44-1261–44-1265 is a remedy, not a calculator fee line.

A late $734.69 installment unpaid after the 10th day can draw up to 5% × $734.69 = $36.73. That is not TPT and not a default calculator line. Prepayment of a precomputed finance charge is not rebated by the Rule of 78s (§ 44-291(B)).

References:

• A.R.S. §§ 44-281, 44-286, 44-287, 44-291 — motor vehicle time sales
• A.R.S. § 44-1371 — doc-fee advertising
• A.R.S. §§ 44-1261 et seq. — Lemon Law

Common Questions

Does Arizona charge TAVT like Georgia?

No. Arizona charges 5.6% TPT or use tax plus a separate VLT on manufacturer’s base retail. Georgia TAVT $2,660 on a $38,000 deal is the wrong tax here.

Is the state rate 5% or 5.6%?

Use 5.6% (5% under § 42-5010(A)(1) plus 0.6% under § 42-5010.01 through 30 June 2041).

Why doesn’t the calculator fill in Phoenix or Tucson tax?

There is no official statewide combined city/county rate. Dealer TPT follows the dealer’s location; use tax follows the vehicle domicile. Enter rates from the ADOR TPT Rate Table. A Phoenix “about 8.6%” figure is not an official default.

Do I pay TPT on a private-party car?

No. A casual sale is not TPT and not use tax. You still pay title, registration, air quality (if not a BEV), VLT, and any Area A/B compliance at MVD.

Is there an extra EV registration fee?

Not in current § 28-2003 after 1 January 2023. Electrically powered vehicles are exempt from the $1.50 air-quality research fee. Do not add a bill that is not law.

Can I use a used-car APR from a survey?

Not as an official default. G.19 does not publish a used-car APR. Enter your lender quote, or illustrate at 7.14% and label it as the official 60-month new-car bank rate.

Data Sources and How This Stays Current

Every default comes from a government source: Arizona Revised Statutes, the Arizona Administrative Code, ADOR and ADOT MVD publications, the ServiceArizona VLT formula, and Federal Reserve G.19 / H.15. Industry surveys are not used. If a figure is not official, it is left to the user: price, down, trade, rebate, GAP, warranty, doc fee, local tax, manufacturer’s base retail, Area A/B compliance, and used-car APR.

The brief behind this guide is dated 29 August 2026. G.19 figures are from the 7 August 2026 release (Q2 2026). Look up locality on ADOR’s monthly TPT rate table rather than scraping it. Until 30 June 2041, 5.6% is the official state motor-vehicle TPT/use-tax rate. Statutory dollars (title $4, registration $8, air quality $1.50, VLT formula) are hard-coded from the cited sections. Worked examples use ROUND_HALF_UP to cents and an amortization loop whose last payment clears the residual, matching Example A $734.69 and Example B $679.46.

Conclusion

An Arizona auto loan estimate has three official pillars: 5.6% state TPT or use tax on the correct base for your purchase channel, VLT on manufacturer’s base retail under § 28-5801, and statutory title, registration, and air-quality amounts. Local county and city privilege must be typed in. The G.19 7.14% figure is a new-car bank average for a 60-month illustration—not an Arizona lender quote.

Do not paste Georgia TAVT, drop the 0.6 point, compute VLT from negotiated price, or put TPT on a casual sale. Enter manufacturer’s base retail from the window sticker and locality from ADOR. On the $38,000 / 10% down illustration, rolling tax and fees costs $533.89 more interest and $2,779.90 less cash at signing. Verify TPT with ADOR, VLT with ServiceArizona or MVD, and APR with your lender. Apply for title within 15 days. The estimate is not a TILA disclosure and not an offer to lend.

Complete Reference List

Federal Reserve

• G.19 Consumer Credit, current release (7 August 2026): commercial-bank 60-month new-car 7.14%; 72-month 6.97% (Q2 2026) — https://www.federalreserve.gov/releases/g19/current/default.htm
• H.15 Selected Interest Rates; FRED RIELPCFANNM (finance-company new-car)

Arizona statutes and rules

• A.R.S. §§ 42-5010, 42-5010.01 — 5% + 0.6% = 5.6%
• A.R.S. § 42-5001(6) — trade-in; AAC R15-5-132
• A.R.S. § 42-5061(L)(1) — assigned manufacturer rebate; § 42-5061(U)/(A)(28) — nonresident
• AAC R15-5-102 — casual sales
• A.R.S. § 28-2003 — title $4, registration $8 / motorcycle $9, 90-day permit $15
• A.R.S. § 28-5801 — VLT
• A.R.S. § 49-551 — air quality $1.50; electrically powered vehicles exempt
• A.R.S. § 49-542(E) — Area A / Area B compliance $0.25
• A.R.S. §§ 44-1261 et seq. — Lemon Law; § 44-1371 — doc-fee advertising; §§ 44-281, 44-286, 44-287, 44-291 — motor vehicle time sales

Arizona agencies

• ADOR Motor Vehicle Sales / Vehicle Use Tax Calculator — https://azdor.gov/business/transaction-privilege-tax/motor-vehicle-sales
• ADOR TPT rate tables — https://azdor.gov/business/transaction-privilege-tax/tax-rate-table
• ADOR Understanding Use Tax — https://azdor.gov/individuals/income-tax-filing-assistance/understanding-use-tax
• ADOT Vehicle Title — https://azdot.gov/mvd/services/registration-plates-title/vehicle-title
• ADOT Out-of-State Vehicles — https://azdot.gov/mvd/services/vehicle-services/title-and-registration/out-state-vehicles
• ServiceArizona fees (VLT formula) — https://servicearizona.com/content/SAZHomeFees

Access date for the official figures in this guide: 29 August 2026.

This article and the companion calculator are estimates for education—not a Regulation Z / TILA disclosure, lender offer, or legal advice. Verify ADOR TPT tables, ADOT MVD fees, and your contract. VehicleTaxCalculator.com. Spec date: 29 August 2026.