The Alaska auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates national average new auto loan APR of 6.00% with the Alaska vehicle sales tax of 0.00% and $300 in fees added to the loan, is a monthly car payment of about $615, or about $711 a month with the average Alaska car insurance premium included, verified by MonitorBankRates as of November 10, 2026.
Lenders serving Alaska currently advertise auto loan APRs from 4.74% to 5.45% across the 5 offers listed below. This calculator finances what a Alaska dealer actually finances: the price minus your down payment and trade in, plus Alaska sales tax (local rates can add to the state rate) and fees. The APR is today's MonitorBankRates Alaska average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Alaska used car average of 5.90% costs about $613 a month.
Alaska Car Payment Estimator
Prefilled with the MonitorBankRates Alaska average APR, the Alaska sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Alaska sales tax | $0 |
| Title, registration and fees | $0 |
| Down payment | $0 |
| Trade in | $0 |
| Amount financed | $0 |
Loan balance over time
Amortization schedule (yearly totals)
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Current Alaska Average Auto Loan Rates
Today's MonitorBankRates Alaska averages first, then the lowest verified new and used offers from lenders serving Alaska. Click any APR to run it through the calculator.
Auto Loan Offers in Alaska and the Payment on a $35,000 Car
Monthly payment on the example loan ($31,800 financed after $3,500 down, Alaska tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- Alaska Air Group Federal Credit UnionNew Auto Loan, verified Nov 7, 20264.74% APR$596 a month over 60 months
- Alaska District Engineers Federal Credit UnionNew/Used Auto, verified Nov 7, 20265.00% APR$600 a month over 60 months
- Advancial Federal Credit UnionAuto Loan, verified Nov 9, 20265.05% APR$601 a month over 60 months
- Northern Skies Credit UnionAuto Loans - New, verified Nov 9, 20265.19% APR$603 a month over 60 months
- True North Credit UnionAuto Loan - 12-48 months, verified Nov 9, 20265.45% APR$607 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Alaska auto loan rates page.
View Your Alaska Auto Loan Rate
Personalized auto loan offers from lenders serving Alaska.
What a Car Loan Costs in Alaska Right Now
| $35,000 new car, $3,500 down, Alaska tax and fees: $31,800 financed at the MonitorBankRates Alaska average of 6.00% | Monthly | Total interest |
|---|---|---|
| 36 months | $967 | $3,025 |
| 48 months | $747 | $4,045 |
| 60 months | $615 | $5,083 |
| 72 months | $527 | $6,141 |
| 84 months | $464 | $7,217 |
Alaska sales tax adds $0 to a $35,000 car, which at 6.00% over 60 months is about $0 of the monthly payment. Add the average Alaska car insurance premium of $96 a month and the car costs about $711 a month to keep on the road before fuel and maintenance, which is 9.2% of the Alaska median household income of $92,788. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Alaska average.
Car Payments by Price in Alaska
10% down, Alaska sales tax of 0.00% and $300 in fees financed, 60 months at the MonitorBankRates Alaska averages for new (6.00%) and used (5.90%) cars.
| Price | Down | Alaska tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $0 | $13,800 | $267 | $266 |
| $25,000 | $2,500 | $0 | $22,800 | $441 | $440 |
| $35,000 | $3,500 | $0 | $31,800 | $615 | $613 |
| $45,000 | $4,500 | $0 | $40,800 | $789 | $787 |
| $60,000 | $6,000 | $0 | $54,300 | $1,050 | $1,047 |
Car Payment Budgets in Alaska's Largest Cities
What a car payment looks like against each city's median household income. The 10% guideline caps the payment at a tenth of monthly take-home; the loan column is what that payment finances over 60 months at the MonitorBankRates Alaska new car average of 6.00%, before insurance, which averages about $96 a month in Alaska. Open a city's rates page for verified lender APRs.
| City | Median household income | 10% payment guideline | Loan it finances (60 months) |
|---|---|---|---|
| Anchorage auto loan rates | $103,284 | $861 a month | $44,500 |
| Fairbanks auto loan rates | $73,534 | $613 a month | $31,700 |
| Juneau auto loan rates | $101,661 | $847 a month | $43,800 |
| Wasilla auto loan rates | $67,234 | $560 a month | $29,000 |
| Sitka auto loan rates | $101,727 | $848 a month | $43,900 |
| Ketchikan auto loan rates | $85,275 | $711 a month | $36,800 |
| Kenai auto loan rates | $87,083 | $726 a month | $37,600 |
| Kodiak auto loan rates | $90,292 | $752 a month | $38,900 |
| Bethel auto loan rates | $117,255 | $977 a month | $50,500 |
| Palmer auto loan rates | $72,201 | $602 a month | $31,100 |
For example, the median Anchorage household ($103,284 a year) lands at about $861 a month under the 10% guideline, which is the payment on the $35,000 example above only with a larger down payment or a longer term. Auto loan rates are set by your credit score and the lender, not by city, so the same Alaska average applies in every row.
Buying a Car in Alaska: Tax, Fees and Insurance
Sales tax. No state sales tax; some boroughs and cities charge a local sales tax on vehicles. The calculator uses the state rate of 0.00%; enter your combined local rate for an exact figure. Dealers add the tax to the amount financed unless you pay it at signing, so it costs interest for the life of the loan.
Trade in. In Alaska the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $0 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Alaska motor vehicle agency and vary by vehicle; dealer documentation fees are set by the dealer and run from about $100 to more than $800 depending on the state. The calculator uses $300 as a placeholder; replace it with the figures on your buyer's order.
Insurance. The average Alaska car insurance premium is about $1,155 a year, or $96 a month, according to the NAIC, compared with about $1,258 nationally. Lenders require full coverage on a financed car, so budget for it alongside the payment. Compare carriers on the Alaska car insurance page.
How to Use the Alaska Auto Loan Calculator
- Start from the Alaska defaults
The APR is today's MonitorBankRates Alaska average, the sales tax is the Alaska vehicle rate and the insurance line is the state average. Switch to used with one click.
- Enter the deal
Type the negotiated price, your down payment and trade in, and the fees from the buyer's order. Add your local tax rate if your county or city charges more than the state rate.
- Click a verified lender APR
The panel lists the lowest current new and used offers from lenders serving Alaska. One click applies that APR and term.
- Read the full monthly cost
The large figure is the loan payment. Payment plus insurance shows what the car costs each month to keep on the road.
Frequently Asked Questions About Car Loans in Alaska
What is the average auto loan rate in Alaska today?
The MonitorBankRates national average new auto loan APR is 6.00% as of November 10, 2026, and the average used auto loan APR is 5.90%, computed every day from rates published by banks and credit unions. Individual lenders currently advertise APRs from 4.74% to 5.45% for borrowers with strong credit; compare offers on the Alaska auto loan rates page.
How much is the car payment on a $35,000 car in Alaska?
With $3,500 down, Alaska sales tax of 0.00% and $300 in fees, the amount financed is $31,800. At the MonitorBankRates Alaska average new auto loan APR of 6.00% that is about $615 a month over 60 months, $747 over 48 months, or $527 over 72 months.
What is the sales tax on a car in Alaska?
No state sales tax; some boroughs and cities charge a local sales tax on vehicles. On a $35,000 car the state rate of 0.00% comes to $0. The trade in value is subtracted before tax in Alaska.
Does a trade in reduce sales tax in Alaska?
Yes. Alaska charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $0 in tax at the 0.00% state rate in addition to lowering the loan.
How much is car insurance in Alaska?
The NAIC average car insurance premium in Alaska is about $1,155 a year, or $96 a month, compared with about $1,258 nationally. Full coverage is required on a financed car, so the calculator adds the premium to the payment: about $711 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $31,800 example at 6.00%, 48 months costs $747 a month, 60 months $615, and 84 months $464. The 84 month loan pays about $2,134 more interest than the 60 month loan and leaves you owing more than the car is worth for years.
How much should I put down on a car in Alaska?
At least 10% on a used car and 20% on a new one is the usual guidance. Twenty percent down on the $35,000 example, $7,000, cuts the payment by about $68 a month and reduces the time you owe more than the car is worth.
Auto Loan Calculators for Other States
Each state page starts from that state's MonitorBankRates average APR, vehicle sales tax rate and average car insurance cost. The national auto loan calculator compares the payment on the same car in every state.
