Ask for a larger loan and you have the freedom to do what works best for you

You ask for $10k loan and oops the tax is $125 more and you're going back to re-do all this paperwork all for a $125 difference.

$15k sale price + 7% tax + $500 dealer fee + $750 tag fee = 17,300 out the door more or less.

minus $5k down payment = $12,300 loan. So in this case just go and ask for minimum $14k so you have the wiggle room.