Estimated from $719/month · 6.25% 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 $37,000 MSRP with 6.25% Texas sales tax, a $3,000 down payment, 7% APR, and a 60-month term, the estimated monthly payment is $719/month. Open the full calculator above to adjust for your exact situation.
Texas charges 6.25% sales tax on vehicle purchases. On a $37,000 RAM 1500 Pickup, that adds approximately $2,312 to your total cost.
At $719/month in Texas, the RAM 1500 Pickup fits within the recommended 15% rule for buyers earning $57,520+ per year. Use the full calculator to compare down payment and term options.
Yes. Most lenders allow you to roll Texas sales tax into your loan. However, this means you pay interest on the $2,312 tax amount over the full loan term. Paying it upfront saves money overall.