The Vermont auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Vermont average new auto loan APR of 5.46% with the Vermont vehicle sales tax of 6.00% and $300 in fees added to the loan, is a monthly car payment of about $647, or about $718 a month with the average Vermont car insurance premium included, verified by MonitorBankRates as of September 24, 2026.
Lenders serving Vermont currently advertise auto loan APRs from 4.40% to 5.39% across the 5 offers listed below. This calculator finances what a Vermont dealer actually finances: the price minus your down payment and trade in, plus Vermont sales tax and fees. The APR is today's MonitorBankRates Vermont average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Vermont used car average of 7.67% costs about $682 a month.
Vermont Car Payment Estimator
Prefilled with the MonitorBankRates Vermont average APR, the Vermont sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Vermont 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 Vermont Average Auto Loan Rates
Today's MonitorBankRates Vermont averages first, then the lowest verified new and used offers from lenders serving Vermont. Click any APR to run it through the calculator.
Auto Loan Offers in Vermont and the Payment on a $35,000 Car
Monthly payment on the example loan ($33,900 financed after $3,500 down, Vermont tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- Vermont Federal Credit UnionElectric/Hybrid Auto Loan4.40% APR$630 a month over 60 months
- EastRise Credit UnionGreen Vehicle Loan4.60% APR$634 a month over 60 months
- Northfield Savings BankNew Auto Loan4.63% APR$634 a month over 60 months
- ORLEX Government Employees Credit UnionNew Auto Loan5.00% APR$640 a month over 60 months
- Green Mountain Credit UnionVehicle Loan5.39% APR$646 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Vermont auto loan rates page.
View Your Vermont Auto Loan Rate
Personalized auto loan offers from lenders serving Vermont.
What a Car Loan Costs in Vermont Right Now
| $35,000 new car, $3,500 down, Vermont tax and fees: $33,900 financed at the MonitorBankRates Vermont average of 5.46% | Monthly | Total interest |
|---|---|---|
| 36 months | $1,023 | $2,928 |
| 48 months | $788 | $3,912 |
| 60 months | $647 | $4,912 |
| 72 months | $553 | $5,930 |
| 84 months | $486 | $6,963 |
Vermont sales tax adds $2,100 to a $35,000 car, which at 5.46% over 60 months is about $40 of the monthly payment. Because Vermont taxes the price after the trade in, trading in a $10,000 car at the dealer saves $600 in tax compared with selling it privately. The Vermont average APR of 5.46% is below the U.S. average of 5.88%. Add the average Vermont car insurance premium of $71 a month and the car costs about $718 a month to keep on the road before fuel and maintenance, which is 10.6% of the Vermont median household income of $81,203. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Vermont average.
Car Payments by Price in Vermont
10% down, Vermont sales tax of 6.00% and $300 in fees financed, 60 months at the MonitorBankRates Vermont averages for new (5.46%) and used (7.67%) cars.
| Price | Down | Vermont tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $900 | $14,700 | $281 | $296 |
| $25,000 | $2,500 | $1,500 | $24,300 | $464 | $489 |
| $35,000 | $3,500 | $2,100 | $33,900 | $647 | $682 |
| $45,000 | $4,500 | $2,700 | $43,500 | $830 | $875 |
| $60,000 | $6,000 | $3,600 | $57,900 | $1,105 | $1,165 |
Buying a Car in Vermont: Tax, Fees and Insurance
Sales tax. Purchase and use tax of 6%. 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 Vermont the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $600 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Vermont 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 Vermont car insurance premium is about $854 a year, or $71 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 Vermont car insurance page.
How to Use the Vermont Auto Loan Calculator
- Start from the Vermont defaults
The APR is today's MonitorBankRates Vermont average, the sales tax is the Vermont 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 Vermont. 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 Vermont
What is the average auto loan rate in Vermont today?
The MonitorBankRates Vermont average new auto loan APR is 5.46% as of September 24, 2026, and the average used auto loan APR is 7.67%, computed every day from rates published by banks and credit unions lending in Vermont. Individual lenders currently advertise APRs from 4.40% to 5.39% for borrowers with strong credit; compare offers on the Vermont auto loan rates page.
How much is the car payment on a $35,000 car in Vermont?
With $3,500 down, Vermont sales tax of 6.00% and $300 in fees, the amount financed is $33,900. At the MonitorBankRates Vermont average new auto loan APR of 5.46% that is about $647 a month over 60 months, $788 over 48 months, or $553 over 72 months.
What is the sales tax on a car in Vermont?
Purchase and use tax of 6%. On a $35,000 car the state rate of 6.00% comes to $2,100. The trade in value is subtracted before tax in Vermont.
Does a trade in reduce sales tax in Vermont?
Yes. Vermont charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $600 in tax at the 6.00% state rate in addition to lowering the loan.
How much is car insurance in Vermont?
The NAIC average car insurance premium in Vermont is about $854 a year, or $71 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 $718 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $33,900 example at 5.46%, 48 months costs $788 a month, 60 months $647, and 84 months $486. The 84 month loan pays about $2,051 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 Vermont?
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 $67 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.
