Figure out your real car loan payment in seconds
Free auto loan calculator with instant monthly payments, total interest, and amortization — plus real rate comparisons when you are ready.
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Auto loan calculator
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Use the calculator instantly. We never store your inputs and never ask you to sign up.
✓ Rates from 50+ lenders
When you are ready, compare real pre-approved offers from a large lender marketplace.
✓ Free, forever
Every calculator and guide on this site is free to use, with no paywalls.
Popular vehicle calculators
Jump to a calculator pre-filled for a specific model.
How it works
Enter your details
Add the vehicle price, down payment, loan term, and APR. Results update as you type.
See your real payment
Get your monthly payment, total interest, and a principal-vs-interest breakdown.
Compare real rates
Pre-fill your numbers and compare actual offers from 50+ lenders in about a minute.
Frequently asked questions
Is this auto loan calculator free to use? +
Yes. Every calculator and article on movbudget.com is free, and you do not need to create an account or enter an email address to use them.
How accurate is the monthly payment estimate? +
The calculator uses the standard amortization formula that lenders use, so the math is accurate for the numbers you enter. Your actual payment can differ based on your final APR, sales tax, dealer fees, and any add-ons.
What APR should I enter? +
Use a rate that reflects your credit. As a rough 2025 guide for new cars, prime borrowers (720+) often see about 6–7%, near-prime (660–719) about 9–11%, and subprime (under 660) 13–15% or more. The exact rate depends on the lender and the current market.
Does using the calculator affect my credit score? +
No. The calculator is just a math tool and does not check your credit. Only a formal loan application with a lender results in a hard credit inquiry.
What loan term should I choose? +
A shorter term means a higher monthly payment but less total interest; a longer term lowers the payment but costs more overall and increases the risk of owing more than the car is worth. Compare the total-interest figure across terms before deciding.
How much should I put down? +
A common guideline is 10–20% of the vehicle price for a new car. A larger down payment lowers your payment, reduces total interest, and helps you avoid negative equity.
Do you store my information or sell my data? +
The calculator runs in your browser and we do not store the values you enter. See our Privacy Policy for how analytics and any email sign-ups are handled.
Auto loan rate updates, monthly
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Latest guides
All articles →How Much Car Can You Afford by Monthly Payment ($300–$1,000)
A complete guide to what each monthly car payment buys in 2026, from $300 to $1,000 — with the exact models that open up at every level, mapped across 53 of America’s best-selling cars.
The Cheapest and Most Expensive Popular Cars to Finance in 2026
We calculated the interest cost on a typical loan for 53 of America’s best-selling cars. The most expensive to finance costs 2.2× more in interest than the cheapest — and the pattern is clear.
The Real Cost of an 84-Month Car Loan
Seven-year car loans cut the monthly payment by $142 — and add $2,202 in interest while keeping you underwater for years. Here is the math on stretching a loan to 84 months.