One thing that seems different in TX from Cali is that Sales Tax is not listed in the pricing breakdown (which is also what the loan goes by I assume). In CA everything was rolled into the loan, here it looks like I'll have to make a large payment to county when I register it? Seems quite strange to expect people to make a large payment like that, which could be a surprise to many. Price of Car, Down Payment, all the line items, but no Sales Tax anywhere.. For me, with the high TX sales tax (still lower than Los Angeles, but not by a whole lot) this is a cool $5k.. I'm prepared to pay this cash to county, but this could be a nasty surprise to many not anticipating it.