Free money calculator
Estimate an auto loan payment using vehicle price, down payment, trade-in value, sales tax, APR, and term.
Estimated result
Enter your details and calculate.
Educational estimate only. Confirm costs and terms with the relevant lender, tax professional, or financial professional.
How this calculator works
The estimate subtracts the down payment and trade-in, adds sales tax to the remaining price, then amortizes the financed amount across the selected term.
Worked example
A $35,000 vehicle with $5,000 down, 7% sales tax, 6.5% APR, and a five-year term finances about $32,100 before registration or dealer fees.
Frequently asked questions
Are dealer fees included?
No. Add taxable fees to the vehicle price when appropriate.
How is a trade-in handled?
The trade-in is subtracted before sales tax in this estimate; local tax rules may differ.
Does this include insurance?
No. Auto insurance is separate from the loan payment.