Free Calculator
Calculate monthly car payments, total interest, and compare loan terms. Includes trade-in value, down payment, and sales tax.
Applied to price minus trade-in
Good credit: 4-6% · Fair: 7-10%
Monthly Payment
$458
Loan Amount
$23,688
Total Interest
$3,783
Car Price
$35,000
Sales Tax
$1,688
Total Cost
$32,470
Interest
$3,783
Monthly payment: $458. Total loan cost: $32,470. You are financing $23,688 after $13,000 down.
20/4/10 Rule
20% down, 4-year max term, 10% of monthly income for payment.
Gap Insurance
Consider it if you put less than 20% down. Covers the gap if totaled.
Pre-Approval
Get loan pre-approved before visiting dealers. You will get a better rate.
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