Loan Tools
Auto Loan Calculator
Figure out your true monthly car payment. Enter vehicle price, down payment, trade-in value, APR, and term. Optionally roll in sales tax and dealer fees to see your exact financed amount.
Configure
Vehicle & loan parameters
Breakdown
Cost summary
How the auto loan calculator works
01
Enter vehicle details
Input the price, down payment, trade-in value, and applicable sales tax rate.
02
Set rate & term
Enter your APR (Annual Percentage Rate) and choose a loan term from 12 to 96 months.
03
See your total cost
Get the full picture: monthly payment, financed amount, total interest, and upfront cash needed.
Frequently asked questions
Should I roll tax and fees into my auto loan? ▼
Rolling them in lowers upfront cash needed, but you pay interest on those amounts over the loan. If you have the cash, paying upfront saves money and reduces your financed amount.
What is a good auto loan APR? ▼
Rates depend on your credit score and the vehicle age. New car loans typically range from 4%–8%, used car loans 6%–15%, and subprime loans can be 15%–25%+.
How does a trade-in reduce my payment? ▼
Your trade-in value directly reduces the amount you need to finance. A $5,000 trade-in on a $30,000 car means you only finance $25,000 (before other adjustments).
Disclaimer: Results are estimates based on the inputs provided. Actual dealer quotes may include additional fees or adjustments. Always review the full loan contract before signing.
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