Auto Loan Calculator
Free auto loan calculator — updated for 2025. Accurate, instant, no sign-up needed.
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Auto Loan Calculator
Car payment with trade-in, sales tax & down payment
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Monthly Payment
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Total Interest
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Loan Amount
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Total Cost
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About Auto Loan Calculator
Calculates your car payment including sales tax and trade-in for a complete picture of your actual loan amount.
💡 Get pre-approved at your bank before visiting a dealership — dealers often mark up rates by 1–3%.
2025 Auto Loan Rate Averages
- New car, excellent credit: 5.0–7.0% APR
- New car, good credit: 7.0–10.0% APR
- Used car, excellent credit: 6.5–9.0% APR
Shorter vs longer term?
Shorter terms cost less interest. Long terms (72–84 months) can leave you underwater if the car depreciates faster than you pay it off.