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🚗 Car Loan Calculator

Estimate monthly payments and total cost by price, down payment, and rate

📊 Cost Breakdown

📊 Amortization Schedule

Period Payment Principal Interest Balance

💡 Quick Select

📈 Reference Rates

💡 Down Payment Tip

New cars typically require 20%-30% down. A higher down payment reduces monthly payments and total interest.

About Car Loan Calculator

This car loan calculator helps you quickly estimate monthly payments, total interest, and total cost for your auto loan. Adjust the car price, down payment percentage, loan term, and interest rate to find a plan that fits your budget.

How To Use

  1. Enter the car price, down payment percentage, loan term, and annual interest rate.
  2. The tool automatically calculates down payment amount, loan amount, monthly payment, and total interest.
  3. View the complete monthly amortization schedule and cost breakdown.

FAQ

What is the typical down payment for a car?

New car down payments are usually 20%-30%. Some brands offer low or even zero down payment options. A higher down payment reduces your monthly burden.

What are typical car loan interest rates?

New car loans range from 3.5%-6%, while used car loans range from 6%-10%. Actual rates depend on your credit score, lender, and market conditions.

Is there a prepayment penalty?

Some car loan contracts charge 1%-3% of the remaining principal for early repayment. Review your contract or ask your lender before signing.