Monthly Car Payment Calculator
Calculate estimated monthly payments and compare how the loan term changes your total interest.
Your numbers
The negotiated price before taxes and fees.
Cash you put toward the purchase.
Enter 0 if you're not trading in a vehicle.
Annual percentage rate offered by the lender.
Monthly payment · 60 months
$501/month
Total interest $5,057 · Total repayment $30,057
Compare loan terms
| Term | Monthly | Total interest | Total repayment |
|---|---|---|---|
| $778 | $2,996 | $27,996 | |
| $604 | $4,015 | $29,015 | |
| $501 | $5,057 | $30,057 | |
| $432 | $6,122 | $31,122 | |
| $383 | $7,210 | $32,210 |
Longer terms lower the monthly payment but usually increase total interest. Estimates assume a fixed APR and exclude taxes, fees and insurance.
How this calculator works
For the amount you'd finance, the calculator works out the payment for each common loan term, from 36 to 84 months, so you can see the trade-off side by side: a longer term lowers the monthly payment but usually increases the total interest you pay.
Results are educational estimates, not loan offers. They assume a fixed APR and exclude taxes, fees and insurance.