Car financing in Illinois question?

Question:
When figuring tax on a vehicle, should the dealer figure the tax before or after the trade-in? A well known dealer I went to said he had to figure tax on the selling price of the vehicle (minus my cash down), then deduct the trade in value of my car for the final loan amount. Is this right? He figured tax on $5400 ($6200 minus my cash down which was $1500), THEN subtracted $1500 for my trade in. Why not tax me after my trade in? Is this Illinois law to tax me BEFORE my trade in?

Answers:

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What kind of car are you trying to buy? I work at a dealer as a sales person, finance Mgr,sales manager. I'm in the west burbs of Chicago!

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Here is an example how it works in Illinois:

Gas prices?


$10,000.00 Purchase price
- $ 5000.00 Trade-In
------------------------------
= $5000.00 Subtotal
+ $58.48 Doc Fee
x $341.45 6.75% (non Chicago) Tax Rate
+ $143.00 Plates (new)
------------------------------...
= $5542.93
- $1500.00 Down payment

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Hope this helps!

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Maybe I can get you a better deal on a better car?

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Email me if interested!
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