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Car Loan Calculator: France

Calculate your monthly car payment including sales tax, trade-in and fees, see total interest and cost, or find how much car a monthly budget buys.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

France: the TVA is inside the price, the malus may not be

TVA at 20% is already inside the advertised price, so a French car loan has no purchase tax to add and the field is absent on this page. Registration and first-year charges are small against the price of the car.

The exception is the one figure worth checking before you trust the payment. The CO2 malus can add several thousand euros on a high-emission car, and it is not modelled here, because it depends on the vehicle's emissions rather than on any percentage of its price. If the quote you are working from is a price before the malus, add the malus amount to the fees field; it is normally financed with the car, so putting it there rather than treating it as cash gives the honest monthly figure.

Because there is no itemised purchase tax, a trade-in in France reduces the amount financed by its equity and nothing else, there is no tax credit of the kind an American part-exchange earns.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

French consumer finance conventionsService-public.frWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.