Buying a car in Arkansas is not “sticker plus Georgia’s Title Ad Valorem Tax,” and it is not a single flat percent on every used car. Arkansas charges sales and use tax on motor vehicles, trailers, and semitrailers. The state rate is 6.5 percent for a new vehicle and for a used vehicle priced at $10,000 or more — 7 percent if you are a Texarkana resident — and used cars below those prices follow a three-tier state schedule. Local tax is extra, capped, and not reduced when the state rate drops.
This guide explains how an Arkansas auto loan calculator should turn those official rules into a monthly payment. Every dollar, percent, and fee below comes from the Arkansas Department of Finance and Administration (DFA), the Arkansas Code / Code of Arkansas Rules, or the Federal Reserve’s G.19 Consumer Credit release. Industry surveys are not used. If a public agency does not publish a number, the calculator leaves it to you.
You will see a complete $38,000 new-car example at the official 60-month bank average of 7.14 percent, a cash-versus-roll comparison, a used-dealer trade-in, and a private-party deal with and without the 60-day sale credit. You will also see what must never appear on an Arkansas worksheet: Georgia TAVT of $2,660 on that same $38,000 car, a 3.5 percent break on local tax, or a rebate that quietly shrinks the tax base.
What Makes Arkansas Different From Most States
Many shoppers hear “sales tax” and apply one rate to every car, new or used, dealer or driveway. Arkansas is more precise. DFA’s vehicle tag-renewal page and DSMV FAQs (accessed 29 August 2026) state that the state rate is 6.5 percent of taxable price if the gross purchase price is $4,000 or more, and 7 percent for Texarkana residents.
Used vehicles have their own state schedule under Act 1013, summarized on DFA’s recent-changes and DSMV FAQ pages:
- Purchase (or taxable difference) below $4,000: no state sales tax.
- $4,000 through $9,999: state rate 3.5 percent.
- $10,000 or more: state rate 6.5 percent (or 7 percent for Texarkana residents when the full state rate applies).
Local tax is not subject to the reduced 3.5 percent rate. That sentence is easy to miss and expensive if you miss it. A used car with an $8,000 taxable difference pays 3.5 percent to the state, then the full local rate — still capped at $25.00 for each 1 percent of tax due.
Important: Arkansas is sales tax, not Title Ad Valorem Tax. Do not copy a Georgia TAVT line of $2,660 onto a $38,000 Arkansas deal. The official Arkansas state tax on that price, with no trade and no Texarkana 7 percent, is $2,470.00 (0.065 × $38,000).
Tax is computed on total delivery price, including rebate, freight charges, and extra equipment. Federal excise tax is not included. Extended warranties are taxable whether or not the vehicle itself is taxable. Cash down does not reduce sales tax. Rolling tax into the loan finances the tax; it does not change the tax. Negative equity on a trade does not create extra sales tax — it only increases what you borrow.
There is no cooling-off period on a dealership purchase. You generally have 60 calendar days to title and register. After that, DFA applies a 10 percent sales-tax penalty plus a registration penalty of $3.00 per 10 days, capped at a full-year registration fee.
References:
- DFA — Vehicle tag renewal (6.5% / Texarkana 7%, tax base, local $25 per 1%, 60-day penalties)
- DFA — DSMV FAQs (6.5% / 3.5% / under $4,000)
- DFA — Recent changes in the law (Act 1013 used-vehicle rates)
Official Arkansas Fees You Can Rely On (2026)
Some costs are published on the DFA MyDMV registration fee schedule. A responsible Arkansas auto loan calculator uses these as defaults. It does not invent an “average doc fee” or a Lemon Law add-on that DFA does not charge at purchase.
| Item | Official amount | Source |
|---|---|---|
| Title | $10 | DFA fee schedule |
| Expedited title (Little Rock central office) | additional $10 | DFA DSMV FAQs |
| Passenger / motor home, 3,000 lb or less | $17 + $2.50 validation | DFA fee schedule |
| Passenger / motor home, 3,001–4,500 lb | $25 + $2.50 | DFA fee schedule |
| Passenger / motor home, 4,501 lb or more | $30 + $2.50 | DFA fee schedule |
| ½- and ¾-ton trucks and vans | $21 + $2.50 | DFA fee schedule |
| Tag transfer | $1.00 | DFA fee schedule |
| Lien filing | $0.50 | DFA fee schedule |
| Hybrid extra registration | $50 | DFA fee schedule |
| Plug-in hybrid extra | $100 | DFA fee schedule |
| Battery-electric extra | $200 | DFA fee schedule |
| Dealer service / handling (“doc”) fee | Cap $129; default $0 if you do not enter one | Ark. Code § 23-112-317; 23 CAR § 410-801 |
| Lemon Law purchase surcharge | None | Act 297 of 1993; DFA lemon-law tax refunds |
Annual personal-property assessment at the county assessor is required before tag renewal. Millage is not a statewide dollar default, so a careful calculator leaves that line user-entered at $0 until you type your county bill.
The electric and hybrid extras are ownership costs. They belong on a results note so you can plan for renewal. They are not part of the official ICE (gasoline) worked example and they are not added to sales tax.
Example 1: A typical passenger plate
Most midsize cars fall in the 3,001–4,500 lb unladen class. That is the class used in DFA-based illustrations in this guide.
Example 1: Midsize passenger registration
Scenario: You title a 3,400 lb passenger car in Arkansas and keep a new plate.
Title fee: $10.00 Passenger plate (3,001–4,500 lb): $25.00 Validation: $2.50 ——- Title and tag at signing: $37.50
If you later finance those fees, you still owe $37.50. You are only choosing whether to pay it in cash or add it to the loan.
Example 2: Transfer, lien, and a light truck
Example 2: Tag transfer on a half-ton truck with a lien
Scenario: You move plates from a car you sold, title a ½-ton pickup, and the lender files a lien.
Title fee: $10.00 Tag transfer (instead of new plate): $1.00 Validation: $2.50 Lien filing: $0.50 ——- Title and tag at signing: $14.00 If you had taken a new ½-ton plate instead: $10.00 + $21.00 + $2.50 + $0.50 = $34.00
The $1.00 transfer replaces the weight-class plate. Validation still applies. The lien is a separate fifty cents on the DFA schedule.
References:
- DFA — Registration fee schedule (title $10, plates, EV extras, transfer, lien)
- Ark. Code § 23-112-317; 23 CAR § 410-801 — handling fee $0–$129
- DFA — New car lemon-law tax refunds
How the Taxable Base Is Built
The rate is only half the story. Arkansas tax starts from delivery price, then subtracts a qualifying trade-in in some channels and leaves the rebate in every channel.
| How you buy | Taxable base | Does a trade-in reduce tax? | Does a manufacturer rebate reduce tax? |
|---|---|---|---|
| Dealer, new or used | Delivery price minus trade-in credit (VIN and amount on the bill of sale) | Yes | No — rebate is included in delivery price (DFA) |
| Private sale of another vehicle within 60 days | Same difference method as a trade-in | Yes, if you present that bill of sale (Act 1232 / Act 277 of 2021; DFA) | Not typical |
| Private-party purchase of this vehicle | Purchase price (same state rate schedule) | No dealer trade-in unless you also have a qualifying 60-day sale | Unusual |
| New resident, already titled in another state | Registration fees; DFA’s new-resident checklist does not re-collect sales tax as a default on an already-owned vehicle | n/a | n/a |
DFA also allows a credit for the balloon amount due when a smart-buy vehicle is turned in. That is a documented DFA credit, not a number a calculator should invent.
Example 1: Dealer trade-in on a used car
Example 1: Used dealer, $18,500 price, $3,000 trade
Scenario: A used-car dealer lists $18,500 (any doc fee is already inside that price and is at or under the $129 cap). You trade a car for $3,000 with the VIN and amount on the invoice.
Delivery price: $18,500.00 Trade-in credit: −$3,000.00 Taxable difference: $15,500.00 Difference is $10,000 or more → full state rate 6.5% State sales tax: $15,500.00 × 0.065 = $1,007.50 Local tax: still at the full local rate, capped at $25 per 1%
If the same used vehicle had an $8,000 taxable difference, state tax would drop to 3.5 percent of $8,000 = $280.00. Local tax would not drop to 3.5 percent.
Example 2: Private party, with and without the 60-day credit
Example 2: Private $18,500 car
Scenario A — no other sale: You buy the same $18,500 vehicle from a neighbor. There is no dealer trade-in.
Purchase price: $18,500.00 State rate (price ≥ $10,000): 6.5% State sales tax: $18,500.00 × 0.065 = $1,202.50
Scenario B — 60-day sale credit: You sold another vehicle within 60 days and bring that bill of sale. DFA treats the tax like a trade-in: tax on the difference. If that sold vehicle’s documented amount is $3,000, state tax falls back to $1,007.50, the same as the dealer-trade example.
Important: Do not treat manufacturer rebates as tax-reducing in Arkansas. DFA includes the rebate in delivery price. The rebate still helps your cash and your loan principal. It does not shrink the 6.5 percent (or 7 percent) line.
References:
- DFA tag-renewal page — delivery price includes rebate, freight, extra equipment; warranties taxable
- DFA — Sales-tax credit for sale of a used vehicle
- Act 1232 / Act 277 of 2021 — 60-day sale treated like a trade-in when the bill of sale is presented
Used-Vehicle State Tiers (Act 1013)
New cars do not get the 3.5 percent or $0 state break. Used cars do. The tiers apply to the taxable difference after a qualifying trade-in, not always to the sticker. Local tax stays at the full local rate and still cannot exceed $25 per point.
| Used taxable difference | State rate | Local rate |
|---|---|---|
| Below $4,000 | $0 state | Full local, $25 per 1% cap |
| $4,000 through $9,999 | 3.5% state | Full local, $25 per 1% cap |
| $10,000 or more | 6.5% (7% Texarkana) | Full local, $25 per 1% cap |
Example 1: A $3,500 used car
Example 1: Used car below $4,000
Scenario: Private-party used car, $3,500, no 60-day credit, no warranty, you enter 1 percent local tax.
Taxable base: $3,500.00 State sales tax (below $4,000): $0.00 Local 1% raw: $3,500.00 × 0.01 = $35.00 Local cap at 1%: $25.00 Local applied: $25.00 Combined sales/use tax: $25.00
The vehicle escaped state tax. Local still applied, then hit the $25-per-1% cap. If you also buy a taxable extended warranty, DFA taxes that warranty even though the car itself paid $0 state tax.
Example 2: An $8,000 used difference versus a $10,000 difference
Example 2: Crossing the $10,000 used threshold
Scenario: Two used-dealer deals, no local tax, no Texarkana 7 percent.
Deal A — $8,000 taxable difference State 3.5%: $8,000.00 × 0.035 = $280.00 Deal B — $10,000 taxable difference State 6.5%: $10,000.00 × 0.065 = $650.00 Crossing the $10,000 line adds $370 of state tax on only $2,000 more of taxable difference.
That jump is why the calculator must test the taxable base against $4,000 and $10,000 instead of always using 6.5 percent on used cars.
References:
- Act 1013 — used-vehicle state rates
- DFA DSMV FAQs and recent-changes page — $0 / 3.5% / 6.5% schedule; local not reduced
Local Tax and the $25-Per-1% Cap
Arkansas local vehicle tax depends on residence. DFA publishes a Local Tax Lookup. A responsible calculator does not scrape that tool and does not invent a statewide local percent. It asks you for a percent and defaults to 0.
DFA’s rule is specific: each local tax will not exceed $25.00 for each 1% of tax due. If you enter 2 percent local on a $38,000 taxable base, the raw local tax is $760. The cap is 2 × $25 = $50. The calculator should apply $50.00, not $760.
Example 1: The $38,000 illustration with 2% local
Example 1: New $38,000 car, 2% local, not Texarkana
Scenario: Same official new-dealer car used later in the loan examples. You type 2 for local percent.
Taxable base: $38,000.00 State 6.5%: $38,000.00 × 0.065 = $2,470.00 Local 2% raw: $38,000.00 × 0.02 = $760.00 Local cap: 2 × $25.00 = $50.00 Local applied: $50.00 Combined sales/use tax: $2,520.00
Without the cap, a 2 percent local add-on would have looked like a second state tax. The cap is why local must be computed as a dollar amount, not blindly as “base × percent.”
Example 2: Texarkana 7% state, 1% local
Example 2: Texarkana resident, $38,000 new car, 1% local
Scenario: You live in Texarkana, so the state rate is 7 percent. You enter 1 percent local.
Taxable base: $38,000.00 State 7%: $38,000.00 × 0.07 = $2,660.00 Local 1% raw: $38,000.00 × 0.01 = $380.00 Local cap at 1%: $25.00 Local applied: $25.00 Combined sales/use tax: $2,685.00
Notice the $2,660 here is Texarkana’s 7 percent state tax, not Georgia TAVT. The two numbers happen to match on a $38,000 car (0.07 × 38,000 = 2,660). The legal source is different. An Arkansas calculator must label it sales tax, not TAVT, and must not import Georgia’s title-ad-valorem rules.
References:
- DFA tag-renewal page — “each local tax will not exceed $25.00 for each 1% of tax due”
- DFA Local Tax Lookup — link and look up; do not scrape
Official Auto Loan Rates (Federal Reserve G.19)
Arkansas does not publish a 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. They are not origination-weighted and not Arkansas-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 — enter your lender quote. Prefill 7.14 percent only as the official 60-month new-car bank average. Sixty months matches that series; do not treat 84 months as official.
References:
- Federal Reserve G.19 current release (7 August 2026)
How the Payment Math Works
Treat the entered rate as a nominal annual rate, compounded monthly. Monthly rate i = rate ÷ 12. For amount financed P over n months:
Monthly payment M = P × [ i (1 + i)n ] ÷ [ (1 + i)n − 1 ]
If the rate is zero, M = P ÷ n. Round M to cents (half-up). The last payment clears the leftover balance so the schedule actually reaches zero. Totals come from that schedule, not from a shortcut of “monthly × months” that ignores the residual.
Amount financed is roughly (price − down − trade + trade payoff − rebate) + rolled sales tax + rolled fees + financed GAP + financed warranty.
Cash due is roughly down + any tax and fees you do not roll into the loan.
Rebates increase the tax base even when they reduce cash due. This is an estimate, not a Regulation Z APR solution and not a lender offer.
Example 1: Same $34,200 principal, two rates
Example 1: Why the official 7.14% prefill matters
Scenario: You finance only the $38,000 price minus $3,800 down. Tax and fees are paid in cash, so principal is $34,200 for 60 months.
At official G.19 7.14% / 60 mo: Monthly payment (half-up): $679.46 Total of payments: $40,767.75 Total interest: $6,567.75 At 0% (if a manufacturer promotion truly is 0): Monthly payment: $34,200.00 ÷ 60 = $570.00 Total interest: $0.00
The calculator amortizes at your contract rate. 7.14 percent is only the official starting print for a new-car bank average.
Complete Worked Examples ($38,000 New Arkansas Dealer)
Assumptions for Examples A and B, taken from the official Arkansas brief: new franchise dealer, gasoline (no EV extra), doc fee $0, no trade, no rebate, no GAP, no warranty, state 6.5 percent only (not Texarkana 7 percent), local $0 in the illustration, title $10, passenger plate in the 3,001–4,500 lb class $25 plus validation $2.50, APR = official G.19 60-month bank 7.14 percent, 60 months, payment rounded half-up to cents, last payment clears the residual.
State sales tax = 0.065 × 38,000 = $2,470.00. Do not copy Georgia TAVT of $2,660.
Example A — Tax, title, and tag rolled into the loan
Example A: Rolled tax and fees
Scenario: You put 10 percent down ($3,800) and finance the rest plus official tax and tag.
Price: $38,000.00 Down payment: −$3,800.00 State sales tax 6.5%: +$2,470.00 Title: +$10.00 Plate 3,001–4,500 lb: +$25.00 Validation: +$2.50 ———- Amount financed P: $36,707.50 APR 7.14%, 60 months, half-up: Monthly payment: $729.28 Cash due at signing: $3,800.00 Total of payments: $43,756.78 Total interest: $7,049.28
Your first check is the down payment. The $2,507.50 of tax and tag rides in the loan and collects interest for five years.
Example B — Same deal, tax and fees paid in cash
Example B: Tax and fees at the table
Scenario: Same car, same rate, same term. You pay tax and tag with a check instead of rolling them.
Amount financed P: $38,000.00 − $3,800.00 = $34,200.00 Tax and fees at signing: $2,470.00 + $10.00 + $25.00 + $2.50 = $2,507.50 Monthly payment: $679.46 Cash due at signing: $6,307.50 Total of payments: $40,767.75 Total interest: $6,567.75
Rolling costs $481.53 extra interest versus cash, and $2,507.50 less cash at signing. Neither choice changes the $2,470 tax bill. They change only when you pay it and whether it earns interest.
Example C — Used dealer with a documented trade
Example C: $18,500 used, $3,000 trade
Scenario: Used dealer. Price $18,500 includes any doc fee at or under the $129 cap. Trade $3,000 with VIN and amount on the invoice. No official used APR — enter your quote if you finance it.
Taxable difference: $15,500.00 State tax at 6.5%: $1,007.50 Local: not reduced; $25 per 1% cap still applies If the taxable difference had been $8,000: State tax at 3.5%: $280.00 Local: still the full local rate, capped
Example D — Private party
Example D: Same $18,500, no trade
Scenario: You buy the car from a private seller and do not have a 60-day bill of sale for another vehicle.
Purchase price: $18,500.00 State tax at 6.5%: $1,202.50
Bring a qualifying 60-day bill of sale and DFA taxes the difference the same way as a dealer trade-in.
How the Calculator Should Use Your Inputs
A complete Arkansas auto loan calculator walks through the same decisions a revenue office and a lender worksheet walk through, in this order:
- Purchase channel. New dealer, used dealer, private party, private party with a 60-day sale credit, or new resident already titled out of state.
- State scenario. Standard 6.5 percent, or Texarkana 7 percent. Used tiers still overlay the used channels.
- Delivery price. Selling price plus any handling fee you type. Rebate stays in the tax base. Trade-in comes out only when the channel allows it.
- Local percent. You type it. The math applies the $25-per-1% cap. Default is 0.
- Warranty. Taxed at the full state rate even if the vehicle is in the $0 or 3.5 percent used tier.
- Plate class. Unladen weight or ½- / ¾-ton truck, plus $2.50 validation. Optional $1 transfer, $0.50 lien, +$10 expedited title.
- Roll flags. Whether tax and/or fees go into the loan or onto the cash-due line.
- APR and term. Prefill 7.14 percent and 60 months. You overwrite both. Used cars have no official APR.
- Amortization. Monthly payment to cents, then a full schedule so the last payment clears the balance.
Changing the channel from “used dealer” to “private party” can add hundreds of dollars of tax on the same sticker, because the trade-in disappears. Changing Texarkana on a $38,000 new car adds $190 of state tax (7 percent versus 6.5 percent) before local. Changing the plate class from 3,001–4,500 lb to 3,000 lb or less saves $8 of registration ($17 versus $25) plus the same $2.50 validation.
Common Questions and Edge Cases
Is there a Lemon Law fee on the Arkansas purchase?
No. The New Motor Vehicle Quality Assurance Act (Act 297 of 1993) is a remedy, not a DFA purchase add-on. Coverage is 24 months or the first 24,000 miles, whichever is later. When a manufacturer buys a vehicle back, the refund includes sales tax; the manufacturer then claims that tax from DFA. Do not add a $3-style surcharge to an Arkansas deal.
What if I miss the 60-day title clock?
Title and register within 60 calendar days. After that, DFA assesses a 10 percent sales-tax penalty plus $3.00 per 10 days as a registration penalty, capped at a full-year registration fee. A payment calculator can warn you. It should not invent a late-penalty dollar without the number of days you are late.
Does a handling fee belong in the tax base?
If the dealer charges a service or handling fee, Arkansas law caps it at $129 and requires the fee to be uniform and disclosed (Ark. Code § 23-112-317; 23 CAR § 410-801). DFA taxes total delivery price. If the fee is part of what you pay to take the car, a careful estimate includes it in the taxable delivery price. Default the line to $0 when the fee is already inside the advertised price or is not charged.
I am moving to Arkansas with a car I already own. Do I pay 6.5 percent again?
DFA’s new-resident checklist does not re-collect sales tax as a default on a vehicle already titled in another state. You still pay title and registration. Do not silently apply $2,470 of “welcome tax” to a car you already own.
Why can’t the calculator offer Super Prime / Prime APR chips?
No official government table publishes Arkansas (or U.S.) auto APRs by FICO tier. Experian, Edmunds, Bankrate, and credit-union floor rates are not government sources. The only official prefill is G.19’s 60-month new-car bank average. Everything else is your lender quote.
Are extended warranties taxed if the used car is under $4,000?
Yes. DFA says extended warranties are taxable whether or not the vehicle is taxable. The vehicle can sit in the $0 state tier while the warranty is still taxed at the full 6.5 percent (or Texarkana 7 percent) plus local.
References:
- Act 297 of 1993 — New Motor Vehicle Quality Assurance Act
- DFA lemon-law tax refunds page
- DFA tag-renewal page — 60-day clock and penalties; warranty taxability
- Ark. Code § 23-112-317; 23 CAR § 410-801
Where the Numbers Come From
This guide and the matching VehicleTaxCalculator.com Arkansas form use only government publications current as of 29 August 2026:
- Federal Reserve G.19 current release of 7 August 2026 for the 7.14 percent 60-month new-car bank average.
- DFA DSMV FAQs for the 6.5 percent / 3.5 percent / under-$4,000 state schedule and the expedited-title $10.
- DFA vehicle tag-renewal page for the tax base, rebate-in-price rule, local $25-per-1% cap, and 60-day penalties.
- DFA recent-changes page for Act 1013 used-vehicle rates.
- DFA MyDMV fee schedule for title, plates, validation, transfer, lien, and EV / PHEV / hybrid extras.
- DFA sales-tax credit page for the 60-day used-vehicle sale credit.
- DFA lemon-law refund page and Act 297 of 1993 to confirm there is no purchase surcharge.
- Ark. Code § 23-112-317 and 23 CAR § 410-801 for the $129 handling-fee cap.
When a figure is not in those sources — your city local percent, your county personal-property millage, your used-car APR, a doc fee the dealer actually charges — the calculator leaves a box for you. That is a feature. Filling those boxes with survey averages would make the estimate look more official than it is.
Rates and fees change. Recheck DFA and G.19 before you sign. This article is not legal advice, not a county quote, and not a Truth in Lending disclosure.
Conclusion
Arkansas titles cars under sales and use tax, not TAVT. The official state default is 6.5 percent, or 7 percent in Texarkana, with a three-tier used schedule and a local cap of $25 per 1 percent. Trade-ins reduce tax when they are documented. Rebates do not. Warranties are taxable even when the car is not. Title is $10. A midsize passenger plate is $25 plus $2.50. There is no Lemon Law purchase surcharge.
On the official $38,000 new-dealer illustration — 10 percent down, 60 months, G.19 7.14 percent, tax and tag rolled — the estimated payment is $729.28 a month on $36,707.50 financed. Pay tax and tag in cash and the payment falls to $679.46 while cash at signing rises to $6,307.50.
Use those figures to sanity-check any calculator, including ours. Then replace the prefilled APR, local percent, plate class, and handling fee with the numbers on your contract. An estimate that cites DFA and G.19 is a planning tool. It is not a lender offer.
Complete official source list (accessed 29 August 2026):
- Federal Reserve G.19 current release (7 August 2026): https://www.federalreserve.gov/releases/g19/current/default.htm
- DFA DSMV FAQs: https://www.dfa.arkansas.gov/office/motor-vehicle/faqs-for-dsmv/
- DFA vehicle tag renewal: https://www.dfa.arkansas.gov/office/motor-vehicle/vehicle-tag-renewal/
- DFA recent changes / Act 1013: https://www.dfa.arkansas.gov/office/motor-vehicle/recent-changes-in-the-law/
- DFA fee schedule: https://www.dfa.arkansas.gov/mydmv-service/registration-fee-schedule/
- DFA sales-tax credit for sale of a used vehicle: https://www.dfa.arkansas.gov/office/taxes/tax-credits-special-refunds/sales-tax-credit-for-sale-of-a-used-vehicle/
- DFA lemon-law tax refunds: https://www.dfa.arkansas.gov/office/taxes/tax-credits-special-refunds/new-car-lemon-law/
- Ark. Code § 23-112-317; 23 CAR § 410-801 (handling fee $0–$129)
Estimate only — not a lender offer, not a Regulation Z / TILA disclosure, and not a DFA or county quote. Figures follow the 29 August 2026 official brief. Recheck DFA and the Federal Reserve G.19 release before you sign. VehicleTaxCalculator.com.