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Auto Loan Payment Calculator

Estimate the financed amount, monthly payment, and total interest for a vehicle purchase.

Vehicle tax treatment varies by state. Confirm whether your state taxes the price before or after a trade-in and replace the default estimate.

Your inputs

Replace the 5% planning estimate with the rate and taxable basis used in your state.

Your result

Enter your information and select Calculate to see the result.

How to use the auto loan calculator

Enter the requested values, review the units, and select Calculate. The result updates only after every input passes validation.

The estimated financed amount is vehicle price minus trade-in and down payment, plus estimated sales tax and fees. The fixed-payment loan formula then determines the payment.

Worked example

For a $30,000 vehicle with a $5,000 down payment, $3,000 trade-in, 5% estimated tax, and $500 fees, the estimated financed amount is $23,850.

Limitations

Dealer charges, rebates, trade-in tax treatment, add-ons, and lender calculations vary. Confirm the final amount financed in your contract.

This calculator provides an educational estimate and does not replace advice from a qualified financial or tax professional.