Auto Loan Calculator

Title: Auto Loan Calculator Car Finance EMI Estimator
Description: Use our Auto Loan Calculator to find your car loan EMIs, interest payable, and total cost over time. Ideal for new and used vehicle buyers.

Auto Loan Calculator

Estimate your car loan payments and total interest with our Auto Loan Calculator. Designed for both new and used car purchases.

• 🏎️ Car & bike loan support
• ⏰ Fast, real-time calculations
• 🏢 Ideal for dealerships & buyers
  
  Auto Loan Calculator
• Calculate your car loan monthly payment, total interest, and loan terms. Compare different loan options to find the best deal.
  Loan Details
• Vehicle Price ($)Down Payment ($)Trade-in Value ($)Loan Term (Months)                         24 months                         36 months                         48 months                         60 months                         72 months                         84 months                     Interest Rate (APR %) ?
• 5.5%Sales Tax (%) ?Title & Fees ($)Calculate PaymentResetMonthly Budget ($)Calculate What I Can Afford
  
  Payment Results
• $380.02
• Estimated monthly payment
• Total Loan Amount$19895.00
• Total Interest$2906.06
• Total Cost (Principal + Interest)$22801.06
• Payoff DateAugust 2030
• Payment Breakdown
• Principal: 87%
• Interest: 13%Save This Scenario for Comparison
  
  Compare Loan Scenarios
• Save different loan scenarios to compare monthly payments and total costs
• Scenario 1Remove
• Vehicle Price: $25,000
• Term: 60 months @ 5.5%
• $420.76/mo
• Total Interest: $2,245.60
• Total Cost: $27,245.60
• Scenario 2Remove
• Vehicle Price: $25,000
• Term: 48 months @ 4.5%
• $518.42/mo
• Total Interest: $1,684.16
• Total Cost: $26,684.16
• Auto Loan Calculator – Car Payment Calculator © 2025 This calculator provides estimates only. Actual loan terms may vary.
  
  Auto Loan Calculator
• An auto loan calculator takes the guesswork out of car financing decisions. This specialized auto loan calculator helps you determine affordable monthly payments for your next vehicle purchase, whether new or used.
• The auto loan calculator considers your down payment, trade-in value, loan term, and interest rate. This comprehensive auto loan calculator ensures you understand exactly what you’ll pay each month for your dream car.
• Our advanced auto loan calculator includes tax, title, and fee calculations for complete accuracy. This detailed auto loan calculator provides a realistic picture of your total out-of-pocket expenses and financing costs.
• The auto loan calculator helps you compare financing options from different lenders. Use this auto loan calculator to evaluate dealer financing against bank loans and credit union offers to secure the best deal.
• Smart car buyers always use an auto loan calculator before visiting dealerships. This auto loan calculator gives you negotiating power by showing exactly how much car you can afford within your budget constraints.
• The auto loan calculator also shows total interest costs over the loan’s lifetime. This transparency from the auto loan calculator helps you decide between longer terms with lower payments versus shorter terms with less interest.
• Whether buying your first car or upgrading to luxury, our auto loan calculator provides essential insights. This auto loan calculator ensures you make confident financing decisions that align with your financial goals and capabilities.
  Dealership Financing vs. Direct Lending
   Auto loans via dealers are usually serviced by captive lenders that are often associated with each car make. The contract is retained by the dealer but is often sold to a bank, or other financial institution called an assignee that ultimately services the loan.
• Direct lending provides more leverage for buyers to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher.