The Louisiana auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Louisiana average new auto loan APR of 6.49% with the Louisiana vehicle sales tax of 5.00% and $300 in fees added to the loan, is a monthly car payment of about $656, or about $801 a month with the average Louisiana car insurance premium included, verified by MonitorBankRates as of September 24, 2026.
Lenders serving Louisiana currently advertise auto loan APRs from 3.00% to 3.75% across the 5 offers listed below. This calculator finances what a Louisiana dealer actually finances: the price minus your down payment and trade in, plus Louisiana sales tax (local rates can add to the state rate) and fees. The APR is today's MonitorBankRates Louisiana average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Louisiana used car average of 7.16% costs about $667 a month.
Louisiana Car Payment Estimator
Prefilled with the MonitorBankRates Louisiana average APR, the Louisiana sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Louisiana 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 Louisiana Average Auto Loan Rates
Today's MonitorBankRates Louisiana averages first, then the lowest verified new and used offers from lenders serving Louisiana. Click any APR to run it through the calculator.
Auto Loan Offers in Louisiana and the Payment on a $35,000 Car
Monthly payment on the example loan ($33,550 financed after $3,500 down, Louisiana tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- Fleur de Lis Federal Credit UnionNew and Used Auto3.00% APR$603 a month over 60 months
- CUSA Federal Credit UnionNew Vehicles Loan3.25% APR$607 a month over 60 months
- Maple Federal Credit UnionNew Auto3.49% APR$610 a month over 60 months
- Riverland Federal Credit UnionAuto Loans - Cars, Trucks, & SUVs3.50% APR$610 a month over 60 months
- Access Of Louisiana Federal Credit UnionNew Car Loan3.75% APR$614 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Louisiana auto loan rates page.
View Your Louisiana Auto Loan Rate
Personalized auto loan offers from lenders serving Louisiana.
What a Car Loan Costs in Louisiana Right Now
| $35,000 new car, $3,500 down, Louisiana tax and fees: $33,550 financed at the MonitorBankRates Louisiana average of 6.49% | Monthly | Total interest |
|---|---|---|
| 36 months | $1,028 | $3,462 |
| 48 months | $795 | $4,632 |
| 60 months | $656 | $5,826 |
| 72 months | $564 | $7,043 |
| 84 months | $498 | $8,284 |
Louisiana sales tax adds $1,750 to a $35,000 car, which at 6.49% over 60 months is about $34 of the monthly payment. Because Louisiana taxes the price after the trade in, trading in a $10,000 car at the dealer saves $500 in tax compared with selling it privately. The Louisiana average APR of 6.49% is above the U.S. average of 5.88%. Add the average Louisiana car insurance premium of $145 a month and the car costs about $801 a month to keep on the road before fuel and maintenance, which is 15.8% of the Louisiana median household income of $60,756. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Louisiana average.
Car Payments by Price in Louisiana
10% down, Louisiana sales tax of 5.00% and $300 in fees financed, 60 months at the MonitorBankRates Louisiana averages for new (6.49%) and used (7.16%) cars.
| Price | Down | Louisiana tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $750 | $14,550 | $285 | $289 |
| $25,000 | $2,500 | $1,250 | $24,050 | $470 | $478 |
| $35,000 | $3,500 | $1,750 | $33,550 | $656 | $667 |
| $45,000 | $4,500 | $2,250 | $43,050 | $842 | $856 |
| $60,000 | $6,000 | $3,000 | $57,300 | $1,121 | $1,139 |
Buying a Car in Louisiana: Tax, Fees and Insurance
Sales tax. State rate of 5%; parish and city taxes add 4% to 7%. The calculator uses the state rate of 5.00%; 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 Louisiana the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $500 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Louisiana 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 Louisiana car insurance premium is about $1,743 a year, or $145 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 Louisiana car insurance page.
How to Use the Louisiana Auto Loan Calculator
- Start from the Louisiana defaults
The APR is today's MonitorBankRates Louisiana average, the sales tax is the Louisiana 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 Louisiana. 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 Louisiana
What is the average auto loan rate in Louisiana today?
The MonitorBankRates Louisiana average new auto loan APR is 6.49% as of September 24, 2026, and the average used auto loan APR is 7.16%, computed every day from rates published by banks and credit unions lending in Louisiana. Individual lenders currently advertise APRs from 3.00% to 3.75% for borrowers with strong credit; compare offers on the Louisiana auto loan rates page.
How much is the car payment on a $35,000 car in Louisiana?
With $3,500 down, Louisiana sales tax of 5.00% and $300 in fees, the amount financed is $33,550. At the MonitorBankRates Louisiana average new auto loan APR of 6.49% that is about $656 a month over 60 months, $795 over 48 months, or $564 over 72 months.
What is the sales tax on a car in Louisiana?
State rate of 5%; parish and city taxes add 4% to 7%. On a $35,000 car the state rate of 5.00% comes to $1,750. The trade in value is subtracted before tax in Louisiana.
Does a trade in reduce sales tax in Louisiana?
Yes. Louisiana charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $500 in tax at the 5.00% state rate in addition to lowering the loan.
How much is car insurance in Louisiana?
The NAIC average car insurance premium in Louisiana is about $1,743 a year, or $145 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 $801 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $33,550 example at 6.49%, 48 months costs $795 a month, 60 months $656, and 84 months $498. The 84 month loan pays about $2,457 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 Louisiana?
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.
