Vehicle Payment Calculator · Florida
Estimate a Florida vehicle payment
Start with the actual selling price and written terms. The calculator applies Florida's 6% state tax and limits county surtax to the first $5,000 of the taxable amount, then shows 60, 72, and 84 months side by side.
Estimated payment
Enter the selling price, written APR, loan term, and county surtax rate to calculate. Send a vehicle brief instead.
Compare terms
How the math works
The taxable amount is the selling price plus taxable dealer fees minus a qualifying same-transaction trade allowance. Florida's 6% state tax applies to that taxable amount. The county surtax rate you enter applies only to its first $5,000.
Amount financed adds tax, written fees, and any trade payoff, then subtracts the trade value, down payment, and verified rebates. Monthly payment uses the standard amortization formula for the APR and term you choose.
Negative equity (payoff > trade value) is rolled into the loan. If you owe more than the trade is worth, that gap shows up as a higher loan amount and higher payment.
Why this is an estimate, not a real quote
- APR and approval are determined by a lender after an application; this page does not evaluate credit.
- Manufacturer and lender programs change and must be verified for the exact buyer and vehicle.
- Tax treatment can change with the buyer's location, trade structure, and taxable line items.
- Lease math is different — money factor + residual instead of APR + amortization. See our Ford lease guide.
- FL sales tax on a lease is on the monthly payment, not the full price — different math from finance.