Calculate your monthly car payment, total interest, and the true cost of your vehicle. Free and instant — no sign-up required.
Enter the vehicle price, your down payment, any trade-in value, your state sales tax, interest rate, and loan term. The calculator shows your monthly payment and the true total cost of the vehicle including all interest paid over the life of the loan.
Auto loan rates vary by credit score and loan term. With excellent credit (750+), you can expect rates around 5–6% for new cars. Average credit (650–700) typically sees rates of 8–12%. Used car loans generally carry higher rates than new car loans.