Stop guessing. Use our AI-powered calculator to check affordability and find hidden low-rate offers from credit unions and banks instantly.
Estimated Monthly Payment
60 month term at 6.5% APR
Total Loan Amount
$
Total Interest
$
Total Cost of Car (Inc. Interest)
$
Calculations happen in your browser. No personal data is stored.
AI scans specifically for the lowest rates from credit unions & banks.
Visualize how your principal and interest change over time.
I find the cheapest loans.
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Lowest Rates Found by AI
Our auto loan calculator is built for shoppers who want clear numbers before visiting a dealership. Use this auto loan calculator to model monthly payments with taxes, fees, trade-ins, and different APRs so you never guess. By keeping the keyword-focused guidance in one place, this auto loan calculator page helps you compare lenders and spot hidden costs in seconds.
Calculating your monthly car payment involves three main factors: the Principal (total loan amount), the Interest Rate (APR), and the Loan Term. Our calculator automatically factors in sales tax, trade-in value, and dealer fees to give you the most accurate estimate possible. Simply enter the vehicle price, your down payment, and your estimated credit score tier to see what you’ll pay.
Dealerships often focus on “monthly payments” to hide the total cost of the car or a high interest rate. By using AutoLoanCalculator.Space, you enter the negotiation armed with knowledge. You’ll know exactly how much interest you should be paying and can spot when a dealer is marking up the rate.
Rates vary by credit score. Excellent credit (750+) typically sees 5-7% APR, while average credit (650-700) might see 7-10%. Use our “Deal Finder AI” to find current promos below 4%.
Yes! You can set your local sales tax rate in the inputs. We assume tax is applied to the vehicle price (often after trade-in value is deducted, depending on your state).
Always get a pre-approval from a Credit Union or Bank first. Use that rate as leverage. If the dealer can beat it, great. If not, use your pre-approved loan.