Auto loan calculator
Work out your monthly car payment with trade-in, sales tax and fees. Compare loan terms and see the total cost.
How to use the auto loan calculator
- Enter the car price, down payment and any trade-in.
- Choose the loan term and enter your APR.
- Check taxes and fees, then read your monthly payment and total cost.
Frequently asked questions
Is a longer car loan a good idea?
A longer term lowers the monthly payment but adds interest, and you may owe more than the car is worth for longer. The calculator shows what a 48-month loan would save.
How does a trade-in affect sales tax?
In most states you pay sales tax only on the price minus your trade-in. Untick the option if your state taxes the full price.
What if I owe more than my trade-in is worth?
That difference, called negative equity, is added to your new loan.
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