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Auto loan calculator.

What that car actually costs per month — with tax, fees, and trade-in factored in honestly.

$
$
$
$
7.5%
60 mo
7%
Monthly Payment
$696
60 months @ 7.5%
Loan Amount
$34,750
Sales Tax
$2,450
Total Interest
$7,029
Total Paid Over Loan
$41,779
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Common questions

Does this include sales tax?

Yes. Most states tax the vehicle price minus your trade-in. Our calculator does the same. Adjust the sales tax slider to match your state's rate.

What's a good auto loan rate in 2026?

For new vehicles with excellent credit (740+), expect roughly 6–8%. Average credit lands closer to 9–12%. Used vehicles run 1–2% higher than new across the board.

Should I take 72 or 84 month financing?

Longer terms feel cheaper monthly but cost you more in interest and put you underwater faster. Most financial planners recommend keeping auto loans at 60 months or less.

Is it better to put more money down?

Yes — every dollar down reduces both your loan balance AND the interest you pay on it. Aim for at least 10% down on used, 20% on new to avoid being upside-down quickly.