Car Loan Calculator

What Will Your Car Cost You?

Monthly payment, total interest, and the full picture on your auto loan.

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New cars typically 5–8% · Used cars typically 7–13% depending on credit score.

Amount Financed$30,000

Monthly Payment

$587

60 payments over 5 years

Loan Amount$30,000
Total Interest+$5,219
Total Loan Cost$35,219
Total Out-of-Pocket$40,219
Principal (85%)Interest (15%)

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Get pre-qualified offers from multiple lenders — no hard credit pull required.

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Shorter Is Cheaper

A 36-month loan costs significantly less in interest than 72 months, even at the same rate. The payment is higher but the total cost is lower.

Credit Score Matters

A 750+ credit score can get you rates 3–5% lower than a 620 score — which can mean thousands saved on a typical car loan.

Estimates do not include taxes, registration fees, dealer fees, or gap insurance. Actual loan terms depend on your lender and credit profile.