How to use this car loan calculator
Enter the vehicle price, sales tax, fees, trade-in details, down payment, APR, and loan term. The calculator estimates the amount financed, monthly payment, total interest, and total loan cost.
Free finance calculator
Car Loan Calculator
Estimate monthly auto loan payments, amount financed, total interest, and out-the-door cost before buying a vehicle.
- Monthly payment
- Sales tax and fees
- Trade-in and down payment
- Total interest
Payment result
Estimated auto payment
Monthly payment
$0/mo
Enter your vehicle and loan details to estimate the payment.
- Amount financed
- $0
- Out-the-door price
- $0
- Total interest
- $0
- Total loan cost
- $0
- Net trade-in credit
- $0
- Cash due before loan
- $0
Estimate only. Dealer quotes, taxes, registration, warranties, rebates, and lender terms can change the final payment.
What affects a car payment?
The biggest drivers are amount financed, interest rate, and loan term. A longer term can lower the monthly payment but usually increases total interest.
What this calculator does not include
This estimate does not include rebates, warranties, gap insurance, dealer add-ons, registration renewals, insurance costs, or state-specific trade-in tax rules.