Estimated from $450/month · 7.25% state tax included · 2026 rates · No sign-up required
Enter your down payment, trade-in, credit score and dealer fees for a precise number.
| Credit Score | Tier | New Car Rate | Used Car Rate |
|---|---|---|---|
| 720+ | Excellent | 5.0–7.0% | 6.5–9.0% |
| 670–719 | Good | 7.0–9.5% | 9.5–12.0% |
| 580–669 | Fair | 11.0–15.0% | 14.0–18.0% |
| Below 580 | Poor | 15.0–20%+ | 18.0–25%+ |
Based on the $24,000 MSRP with 7.25% California sales tax, a $3,000 down payment, 7% APR, and a 60-month term, the estimated monthly payment is $450/month. Open the full calculator above to adjust for your exact situation.
California charges 7.25% sales tax on vehicle purchases. On a $24,000 Honda Civic, that adds approximately $1,740 to your total cost.
At $450/month in California, the Honda Civic fits within the recommended 15% rule for buyers earning $36,000+ per year. Use the full calculator to compare down payment and term options.
Yes. Most lenders allow you to roll California sales tax into your loan. However, this means you pay interest on the $1,740 tax amount over the full loan term. Paying it upfront saves money overall.