See your monthly car payment with sales tax, fees, down payment and trade-in included — plus how much interest you'll pay over the loan.
The loan amount (price minus down payment and trade-in, plus sales tax and fees) is spread over the term using your APR. Each payment covers that month's interest plus some principal.
Longer terms lower the monthly payment but cost more interest and raise the chance you'll owe more than the car is worth. Most experts suggest 60 months or less.
Usually yes. Most buyers roll sales tax and fees into the loan. In most states the trade-in value is subtracted before tax is applied, which this calculator does.
It depends on your credit score and whether the car is new or used. Excellent credit often gets 5-7% on new cars, while used-car and lower-credit rates can be 10% or higher.
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