Buying a car in California is not “sticker plus Georgia’s Title Ad Valorem Tax,” and it is not a single combined percent that works in every ZIP code. California charges sales and use tax on vehicles at a statewide rate of 7.25 percent, plus district taxes that follow the registration address. The Department of Motor Vehicles also collects a vehicle license fee of 0.65 percent of value, a transportation improvement fee that steps up with value, a $76 registration package, and a $34 CHP fee.
This guide explains how a California auto loan calculator should turn those official rules into a monthly payment. Every dollar, percent, and fee below comes from CDTFA, the California DMV, the Vehicle Code, the Civil Code, 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 $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 that does not shrink the tax, and a private-party deal with the $15 transfer.
What Makes California Different From Most States
Many shoppers hear “car tax” and reach for Georgia-style Title Ad Valorem Tax or a single combined city rate. California is neither. CDTFA’s rate page (rates effective 1 July 2026) sets the statewide rate at 7.25 percent, plus district taxes of 0.10 percent to 2.00 percent. Some addresses stack more than one district. The vehicle rate follows the registration address.
VLF is a separate in-lieu property tax: 0.65 percent of purchase price or value, declining for eleven renewal years or until transfer. TIF is a third official charge, banded by value. Registration is a fourth. None of those amounts is sales tax, and none of them is TAVT.
Important: California is sales/use tax plus VLF plus TIF, not Title Ad Valorem Tax. Do not copy a Georgia TAVT line of $2,660 onto a $38,000 California deal. The official statewide sales tax on that price, with no district add-on and no taxable doc fee, is $2,755.00 (0.0725 × $38,000). VLF on the same price is $247.00. TIF in the $35,000–$59,999 band is $198.
The other California trap is the trade-in. CDTFA’s motor-vehicle dealer industry topics say to report tax on the full selling price; you cannot deduct the trade-in. Their example is a $20,000 price and a $4,000 trade — tax on $20,000. Cash down does not reduce sales tax. Negative equity does not create extra sales tax. A manufacturer rebate assigned to the dealer as a down payment is taxable (Regulation 1671.1). A true dealer discount that lowers the selling price does reduce the base. Doc fees are taxable. License and registration amounts actually due DMV are not taxable unless the dealer collects excess.
There is no cooling-off period on a new dealership purchase. The used-car contract cancellation option in Civil Code § 2982.2 is a paid option on many used cars, not a free walk-away. Rees-Levering limits a delinquency charge to 5 percent of the installment, after 10 days, once per installment (Civil Code § 2982(k)).
References:
- CDTFA — Sales and Use Tax Rates (statewide 7.25%; district 0.10%–2.00%; effective 1 Jul 2026)
- CDTFA — Motor vehicle dealer industry topics (trade-ins, rebates, doc fees)
- California DMV — Registration fees (VLF 0.65%, TIF, RIF, registration, CHP, transfer)
Official California Fees You Can Rely On (2026)
These costs are published on the DMV registration-fees page and in the Vehicle Code. A responsible calculator uses them as defaults. It does not invent an average doc fee, a Lemon Law purchase add-on, or a combined 8.x percent rate for the whole state.
| Item | Official amount | Source |
|---|---|---|
| Statewide sales/use tax | 7.25% | CDTFA (rates effective 1 Jul 2026) |
| District / local add-on | User-entered (default 0%) | CDTFA; typically 0.10%–2.00%; registration address |
| Vehicle license fee (VLF) | 0.65% of purchase price/value | DMV; RTC / Vehicle Code |
| Original registration | $76 (includes $3 alt-fuel/technology) | VC § 9250.1; DMV fee table |
| CHP fee | $34 | VC §§ 9250.8, 9250.13; DMV |
| TIF, value $0–$4,999 | $33 | DMV TIF table |
| TIF, value $5,000–$24,999 | $66 | DMV TIF table |
| TIF, value $25,000–$34,999 | $132 | DMV TIF table |
| TIF, value $35,000–$59,999 | $198 | DMV TIF table |
| TIF, value $60,000+ | $231 | DMV TIF table |
| Title transfer (used / transfer) | $15 | VC § 9255. Not a separate $15 on new original registration |
| Road improvement fee (ZEV, MY2020+) | $121 | VC § 9250.6. Not on initial new-dealer ZEV registration |
| Smog abatement (when it applies) | $20 | HSC § 44060(d)(1); user-entered if unsure |
| California tire fee | $1.75 per new tire | CDTFA Publication 91; not taxable; user-entered |
| Document processing charge | Cap $85 PIP / $70 other; default $0 | VC § 4456.5. SB 791 vetoed. Taxable if charged |
| Lemon Law purchase surcharge | None published | Civil Code § 1793.2 is a remedy, not a DMV add-on |
County and district registration add-ons vary under Vehicle Code §§ 9250.2, 9250.7, and 9250.10–9250.17. There is no official statewide dollar, so those lines stay at $0 until you type the amount from your county.
Example 1: The $38,000 new-car registration package
A new California dealer sale of a $38,000 gasoline car, original registration, no ZEV, no extra county fee:
Example 1: Official DMV lines on a $38,000 new car
Scenario: New franchise dealer, ICE, first California registration, value $38,000.
Registration (VC § 9250.1): $76.00 CHP fee (VC §§ 9250.8, 9250.13): $34.00 VLF (0.65% × $38,000): $247.00 TIF ($35,000–$59,999 band): $198.00 Title transfer (new original): $0.00 RIF (ICE — not a ZEV): $0.00 ——– DMV / VLF / TIF package: $555.00
Sales tax is extra and is not in this $555.00. That is why a California worksheet that stops at “tag and title” understates cash due.
Example 2: Used transfer versus new original
Example 2: The $15 transfer on a used car
Scenario: Same $18,500 used car, California licensed used dealer or private party. Value still sits in the $5,000–$24,999 TIF band.
Registration: $76.00 CHP fee: $34.00 Title transfer (VC § 9255): $15.00 VLF (0.65% × $18,500): $120.25 TIF ($5,000–$24,999): $66.00 ——– Registration / VLF / TIF package: $311.25
Original new registration is the $76 package, not a separate $15. The $15 appears on used and transfer work. Do not add $15 on top of a new-car first registration just because a national checklist lists “title.”
References:
- California DMV — Registration fees
- Vehicle Code § 9250.1 (registration $76); §§ 9250.8, 9250.13 (CHP $34); § 9255 (transfer $15); § 9250.6 (RIF $121)
- Vehicle Code § 4456.5 (doc-fee cap $85 / $70)
- Health and Safety Code § 44060(d)(1) (smog abatement $20)
- CDTFA Publication 91 (tire fee $1.75 per new tire)
How the Taxable Base Is Built
California sales and use tax on a vehicle starts with the full selling price. CDTFA is explicit that a trade-in is not a deduction. Doc fees are in the base. An assigned manufacturer rebate is in the base. Government license and registration amounts actually due DMV are out of the base unless the dealer collects more than those amounts.
That is the opposite of the Georgia TAVT habit of subtracting a qualifying trade, and it is the opposite of states that treat an assigned rebate as a price cut. In California the rebate assigned to the dealer as a down payment is still taxable. If the dealer simply lowers the selling price — a true discount — you enter the lower price, and the base falls because the price fell, not because a rebate line was subtracted later.
Private-party buyers pay use tax at DMV on the purchase price (or other consideration), plus district tax at the registration address. A driveway “trade” does not reduce use tax. Out-of-state purchases and new residents also pay use tax, with a credit for tax paid to the other state (CDTFA Publication 52 / vehicle purchasers guide). If the other state was lower, California collects the difference. If it was higher, California does not refund the extra through this calculator — the credit simply takes California use tax down to zero.
Important: Partial ZEV sales-tax relief under Clean Cars 4 All runs through 31 December 2027. It is a special program, not the calculator default. Military nonresidents stationed in California may be VLF-exempt (DMV list). Presence in the state for six months in twelve creates a rebuttable residency presumption (Vehicle Code § 516).
Example 1: Dealer trade-in does not cut the tax
Example 1: CDTFA’s trade-in rule on a used dealer car
Scenario: Used California dealer. Price $18,500. Trade $3,000. District 0% in this illustration. Doc $0.
Selling price: $18,500.00 Trade-in (does not reduce tax): $3,000.00 Taxable base: $18,500.00 Statewide tax 7.25% × $18,500: $1,341.25 Wrong method (tax on $15,500): $1,123.75 Amount the trap would understate: $217.50
The official tax is $1,341.25, not 7.25 percent of the $15,500 difference. Add district tax on the same $18,500 before you quote a real city. If the dealer also charges a doc fee, that fee is taxable too — and it is still capped at $85 or $70 under Vehicle Code § 4456.5.
Example 2: Assigned rebate versus a true discount
Example 2: A $2,000 rebate that stays in the base
Scenario: New California dealer. Sticker-equivalent selling price $38,000. The buyer assigns a $2,000 manufacturer rebate to the dealer as down payment. District 0%. Doc $0.
Selling price (still $38,000): $38,000.00 Assigned rebate (taxable): $2,000.00 Taxable base: $38,000.00 Statewide tax 7.25% × $38,000: $2,755.00 If it had been a true $2,000 price cut: Taxable base: $36,000.00 Statewide tax 7.25% × $36,000: $2,610.00
The assigned rebate still reduces how much you finance. It does not reduce California sales tax. CDTFA Regulation 1671.1 is the reason a calculator that subtracts “rebate” the way some other states do will understate a California deal.
References:
- CDTFA — Industry topics (trade-ins, rebates, taxable doc fees)
- CDTFA Regulation 1671.1 (manufacturer rebate assigned to the dealer)
- CDTFA Publication 34
- CDTFA — Vehicle purchasers / use tax and Publication 52
District Tax Follows the Registration Address
The statewide 7.25 percent is only the floor. District taxes of 0.10 percent to 2.00 percent apply on top, and some addresses stack more than one district. CDTFA tells vehicle buyers to look the rate up by address — “Find a Sales and Use Tax Rate by Address.” A calculator that is honest about official figures prefills 0 percent extra and asks you to type the district add-on. Do not scrape the live lookup; link it and type the result. In-state dealer sales tax and private-party use tax both use the registration-address combined rate on the full price.
Example 1: Statewide only versus a 1.25 percent district
Example 1: Adding district tax to the $38,000 illustration
Scenario: Same $38,000 new dealer car, no trade, no doc. Compare 7.25 percent only with a 1.25 percent district add-on that you looked up by registration address.
Statewide 7.25% × $38,000: $2,755.00 District 1.25% × $38,000: $475.00 Combined 8.50% × $38,000: $3,230.00
The 1.25 percent is an illustration of the add-on field, not an official default. Your address may be 0.10 percent, 2.00 percent, or a stack. The $38,000 worked examples later in this guide keep district at 0 percent so the statewide math is visible.
Example 2: Private-party use tax in a district
Example 2: Use tax on an $18,500 driveway sale
Scenario: Private party. Price $18,500. Buyer’s registration address has a 1.00 percent district tax on top of 7.25 percent.
Use-tax base (full price): $18,500.00 Statewide 7.25% × $18,500: $1,341.25 District 1.00% × $18,500: $185.00 Combined use tax: $1,526.25 Plus transfer $15 and the registration / VLF / TIF package on $18,500.
A “trade” offered in the driveway does not come off this base. If you bought the same car out of state and already paid tax there, California use tax is only the difference (Publication 52).
References:
- CDTFA — Sales and Use Tax Rates
- CDTFA “Find a Sales and Use Tax Rate by Address”
VLF, TIF, and the ZEV Road Improvement Fee
Three DMV charges sit beside sales tax. VLF is 0.65 percent of purchase price or value — an in-lieu property tax that declines for eleven renewal years or until transfer. TIF is a flat dollar by value band. RIF is $121 on model-year 2020 and later zero-emission vehicles at registration or renewal, and it is not assessed on the initial registration of a newly purchased ZEV from a licensed dealer (Vehicle Code § 9250.6). On the official $38,000 illustration, VLF is $247.00 and TIF is $198.
Example 1: TIF bands on two prices
Example 1: Crossing the $35,000 TIF line
Scenario: Two otherwise identical California dealer cars, ICE, original registration.
Price $34,999 — TIF band $25,000–$34,999: $132 Price $35,000 — TIF band $35,000–$59,999: $198 Difference in first-year TIF: $66 Price $59,999 — still $198 Price $60,000 — TIF $60,000+: $231
A $1 change in selling price can move TIF by $66 at the $35,000 line. The calculator should apply the published bands to the purchase price, not invent a blended “average TIF.”
Example 2: RIF on a used ZEV versus a new dealer ZEV
Example 2: When the $121 RIF appears
Scenario: Model-year 2022 battery-electric car.
New purchase from a California licensed dealer (initial registration): RIF $0 Used dealer, private party, or new resident bringing a MY2020+ ZEV: RIF $121
Leave RIF off the new-dealer ZEV first registration. Check it on a used, private-party, or new-resident MY2020+ ZEV. Do not add RIF to an ICE loan. Do not treat RIF as sales tax.
References:
- California DMV — Registration fees (VLF 0.65%, TIF table, RIF $121)
- Vehicle Code § 9250.6 (road improvement fee)
Official Auto Loan Rates (Federal Reserve G.19)
California does not publish a statewide official auto APR. The official United States series is the Federal Reserve G.19 Consumer Credit release (Regulation Z APRs). The current release dated 7 August 2026 reports June / second-quarter 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 California-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) | 2026 (FRED RIELPCFANNM for the March print) |
Do not treat the 72-month bank print sitting below 60-month as proof that 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. Prefill 7.14 percent only as the G.19 60-month new-car bank average. For a used car, enter your quote. Sixty months is a reasonable term chip because G.19 publishes a 60-month series; 84 months is not official. The figure is an estimate, not a TILA quote and not a lender offer.
References:
- Federal Reserve G.19 Consumer Credit (current release, 7 Aug 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 i = 0, M = P / n. Round M to cents (half-up). The last payment clears the residual; totals come from that schedule.
Amount financed is approximately (price − down − trade + trade payoff − rebate) + rolled sales tax + rolled VLF/TIF/fees/doc + financed GAP/warranty. Cash due is down plus any tax and fees not rolled. Rolling tax finances the tax; it does not change the tax. Trade-in does not change sales tax.
Example 1: Same $34,200 principal, two ways to pay tax
Example 1: Why rolling tax changes the payment, not the tax
Scenario: Price $38,000, down $3,800, APR 7.14%, 60 months. Statewide tax $2,755.00 plus $555.00 of VLF/TIF/registration/CHP.
If tax and fees are cash: Amount financed P: $34,200.00 Monthly (rounded half-up): $679.46 If tax and fees are rolled: Amount financed P: $37,510.00 Monthly (rounded half-up): $745.22 The tax is still $2,755.00 either way.
The second path borrows the tax and the DMV package. The first path pays them at signing. California does not give you a discount on 7.25 percent for paying cash, and it does not increase 7.25 percent because you rolled it.
Example 2: Last payment clears the residual
A payment rounded to cents almost never finishes the loan in exactly 60 identical drafts. Month 60 pays whatever principal is left. That is why total of payments on the $37,510.00 path is $44,713.44 rather than 60 × $745.22, and why the $34,200.00 path totals $40,767.75.
Complete Worked Examples ($38,000 New California Dealer)
Assumptions for Examples A and B: new California dealer, ICE (no RIF), doc = $0, no trade, rebate, or F&I, statewide 7.25 percent only (district 0 percent in this illustration — you must add your locality), original registration $76, CHP $34, VLF = 0.0065 × 38,000 = $247.00, TIF in the $35,000–$59,999 band = $198, APR = official G.19 60-month bank 7.14 percent, 60 months, payment rounded half-up to cents, last payment residuals.
Example A — Tax, VLF, TIF, registration, and CHP rolled
Example A: Roll the California stack into the loan
Price: $38,000.00 Down (10%): $3,800.00 Sales tax 7.25% × $38,000: $2,755.00 VLF 0.65% × $38,000: $247.00 TIF ($35,000–$59,999): $198.00 Registration: $76.00 CHP: $34.00 Amount financed P = 38,000 − 3,800 + 2,755 + 247 + 198 + 76 + 34 = $37,510.00 Monthly payment: $745.22 Cash due at signing: $3,800.00 Total of payments: $44,713.44 Total interest: $7,203.44
Do not copy Georgia TAVT of $2,660 onto this deal. California statewide sales tax on $38,000 is $2,755.00.
Example B — Same deal, tax and fees paid in cash
Example B: Pay tax and DMV amounts at signing
Amount financed P = 38,000 − 3,800 = $34,200.00 Tax $2,755 + VLF $247 + TIF $198 + $76 + $34 paid at signing. Monthly payment: $679.46 Cash due: $7,110.00 Total of payments: $40,767.75 Total interest: $6,567.75
Rolling costs $635.69 extra interest versus cash, and $3,310.00 less cash at signing. The tax line is identical in A and B.
Example C — Used dealer with trade (the tax trap)
Example C: $18,500 used car, $3,000 trade
Price: $18,500.00 Trade-in: $3,000.00 Sales tax 7.25% × $18,500: $1,341.25 (not 7.25% of $15,500 = $1,123.75) District tax: extra, at registration address Doc fee: taxable, and still capped at $85 / $70 Used APR: no official G.19 series — enter your quote
Title transfer $15 plus the registration / VLF / TIF package still apply on value. VLF = 0.65% × $18,500 = $120.25. TIF in the $5,000–$24,999 band is $66.
Example D — Private party
Example D: Same $18,500, use tax at DMV
Use tax at DMV on $18,500 (plus district), plus transfer $15 and the registration / VLF / TIF package on value. A “trade” does not reduce use tax. Private-party buyers usually pay those DMV amounts in cash rather than rolling them through a dealer finance contract. There is still no official used-car APR.
How the Calculator Should Use Your Inputs
A California auto loan calculator that stays inside official figures prefills statewide sales/use tax at 7.25 percent and leaves district tax at 0 percent until you type the CDTFA address result. It builds the tax base as selling price plus taxable doc fee — no trade-in subtraction, no assigned-rebate subtraction. On an out-of-state / new-resident channel it subtracts only documented tax already paid to the other state.
It computes VLF at 0.65 percent of purchase price, TIF from the DMV bands, registration $76, CHP $34, and a $15 transfer on used, private-party, and new-resident work. RIF $121 appears only on a MY2020+ ZEV that is not the initial registration of a newly purchased ZEV from a licensed dealer. County fees, smog, tire fee, GAP, and warranty stay at $0 unless you enter them. Doc-fee cap language is $85 / $70, not vetoed SB 791 figures. APR prefills at 7.14 percent and term at 60 months. Rolling tax or fees changes amount financed and cash due; it never changes the tax.
What it should not do: invent a used-car APR, offer credit-tier chips, apply Georgia TAVT, deduct a trade-in from California tax, put RIF on a new-dealer ZEV first registration, or treat 84 months as official.
Common Questions and Edge Cases
Does a trade-in reduce California sales tax?
No. CDTFA instructs dealers to report tax on the full selling price. Their example is $20,000 price, $4,000 trade, tax on $20,000. The trade still reduces how much you finance.
Is there a Lemon Law fee on the California purchase?
No published DMV purchase surcharge. Civil Code § 1793.2 is a warranty remedy, not a line on the buyer’s order.
What is the legal doc-fee cap?
Vehicle Code § 4456.5: $85 for a DMV private-industry partner, $70 for all other dealers. Senate Bill 791 was vetoed. Do not use a 1 percent or $260 figure. Default $0; if charged, the fee is taxable.
I bought the car in another state. Do I pay 7.25 percent again?
You generally owe California use tax, with a credit for tax paid to the other state (CDTFA Publication 52). If the other state was lower, you pay the difference, including district tax at your California registration address. VLF, TIF, registration, and CHP still apply when you title here. Transfer is $15.
Why can’t the calculator offer credit-score APR chips?
No official government table maps FICO bands to California auto APRs. G.19 is an unweighted bank average for 60-month new-car loans, not a credit-tier matrix. Enter the APR on your contract or quote.
Does a new ZEV pay the $121 road improvement fee at first registration?
Not when it is the initial registration of a newly purchased ZEV from a licensed dealer (Vehicle Code § 9250.6). Used, private-party, and new-resident MY2020+ ZEV registrations and later renewals do assess RIF. Clean Cars 4 All partial sales-tax exemption through 31 December 2027 is a separate program and is not the default tax calculation.
Is there a cooling-off period?
Not on a new dealership purchase. Civil Code § 2982.2 is a paid used-car cancellation option, not a free three-day walk-away.
Where the Numbers Come From
This guide and the matching calculator use only government sources, accessed 29 August 2026: CDTFA city/county rates (statewide 7.25 percent, effective 1 July 2026); CDTFA dealer industry topics, Publications 34, 52, and 91, and Regulation 1671.1; the California DMV registration-fees page; Vehicle Code §§ 4456.5, 9250.1, 9250.6, 9250.8, 9250.13, and 9255; Civil Code §§ 1793.2, 2982(k), and 2982.2; Health and Safety Code § 44060(d)(1); and Federal Reserve G.19 (7 August 2026) for the 7.14 percent 60-month new-car bank average. When a public agency does not publish a number — average doc fee, used-car APR, a combined “typical California” percent — the calculator leaves the field to you.
Conclusion
A California auto loan payment is statewide sales or use tax at 7.25 percent, plus the district rate at the registration address, plus VLF at 0.65 percent, plus TIF by value band, plus the $76 registration package and $34 CHP fee, amortized at your contract rate. On a $38,000 new dealer car with 10 percent down, no district add-on, and the official 7.14 percent sixty-month bank average, rolling that stack produces a $745.22 monthly payment on $37,510.00 financed. Paying tax and fees in cash produces $679.46 a month and $7,110.00 at signing.
California is not TAVT. A trade-in does not cut the tax. An assigned rebate does not cut the tax. Doc fees are taxable and capped at $85 or $70. There is no official used-car APR and no official statewide combined district rate. Use the CDTFA address lookup, the DMV fee table, and the APR on your quote. The worksheet is an estimate, not a Regulation Z disclosure and not an offer to lend.
Complete Reference List
- Board of Governors of the Federal Reserve System. Consumer Credit — G.19. Current release, 7 August 2026. https://www.federalreserve.gov/releases/g19/current/default.htm
- California Department of Tax and Fee Administration. California City & County Sales & Use Tax Rates (effective 1 July 2026). https://cdtfa.ca.gov/taxes-and-fees/sales-use-tax-rates.htm
- California Department of Tax and Fee Administration. Motor Vehicle Dealers — Industry Topics (trade-ins, rebates, doc fees). https://cdtfa.ca.gov/industry/motor-vehicle-dealers/industry-topics.htm
- California Department of Tax and Fee Administration. Publication 34. https://cdtfa.ca.gov/formspubs/pub34.pdf
- California Department of Tax and Fee Administration. Vehicles — purchasers / use tax. https://cdtfa.ca.gov/industry/vehicles-vessels-aircraft/vehicles.htm
- California Department of Tax and Fee Administration. Publication 91 (California tire fee). Regulation 1671.1 (manufacturer rebates).
- California Department of Motor Vehicles. Registration Fees (VLF 0.65%, TIF, RIF $121, registration $76, CHP $34, transfer $15). https://www.dmv.ca.gov/portal/vehicle-registration/registration-fees/
- California Vehicle Code § 4456.5 (document processing charge cap $85 / $70); § 9250.1 (registration); § 9250.6 (road improvement fee); §§ 9250.8, 9250.13 (CHP fee); § 9255 (transfer $15); § 516 (residency presumption). VC § 4456.5
- California Civil Code § 1793.2 (Lemon Law); § 2982(k) (Rees-Levering delinquency charge); § 2982.2 (used-car contract cancellation option).
- California Health and Safety Code § 44060(d)(1) (smog abatement fee $20).
Estimate only — not a lender offer, not a DMV bill, and not a Regulation Z / TILA disclosure. Verify the CDTFA rate for your registration address, current DMV amounts, and the APR on your contract. Spec accessed 29 August 2026. VehicleTaxCalculator.com.