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Car Loan Calculator

Calculate your monthly car payment, total interest, and true cost of financing. Compare loan terms to find your best deal before you buy.

Vehicle & Loan Details
$
$5K$150K
$
$
%
%
0%25%
months
$
Loan Summary
$0
Monthly Payment
$0
Loan Amount
$0
Total Interest
$0
Total Paid
—
Payoff Date
💰 True Cost of This Car
Vehicle price$0
Sales tax$0
Fees$0
Total interest$0
TRUE total cost$0
Compare loan terms
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How to use the car loan calculator

1

Enter vehicle details

Input the vehicle price, your down payment, trade-in value, sales tax, and any fees. The calculator shows the true out-of-pocket cost.

2

Set your loan terms

Enter your interest rate and loan term. Compare how 36, 48, 60, and 72-month loans affect your monthly payment and total interest.

3

See the true cost

The true cost breakdown shows the vehicle price plus tax, fees, and total interest — the actual amount the car costs you.

Frequently asked questions

What is a good car loan interest rate?
Car loan rates vary by credit score and whether the car is new or used. As of 2025, good credit borrowers can expect 5-7% on new cars and 7-11% on used cars. Rates below 5% are excellent; above 15% is very high and worth shopping around.
Should I choose a shorter or longer loan term?
A shorter loan term (36-48 months) means higher monthly payments but significantly less interest paid. A longer term (72-84 months) lowers the monthly payment but you pay much more interest and risk being underwater on the loan as the car depreciates.
Is this calculator free?
Yes — completely free with no account or signup required.