Shopping for the right auto loan before you visit the car lot can save you money. Use our car payment calculator to determine a target loan amount based on different terms and your ideal monthly payment. That way, you can find the vehicle that fits your budget and negotiate the best deal.

Start on the left side of the calculator below and either adjust the sliders or enter the exact value for your target monthly payment and for variables like the sales tax and value of your trade-in.

As you change the values on the left, the calculator will show on the right side the loan amount by terms of 12, 24, 36, 48 and 60 months. This view is a great way to see the impact the loan term has on the size of loan you can afford with your preferred monthly payment.

Please note that our auto loan calculator does not account for all taxes, documentation fees, and registration costs. A safe assumption is to add about 10% to your estimated vehicle purchase price to cover extra costs associated with the purchase of a vehicle.

New/Used Auto Lowest APR Rates 

Table comparing different rates
Effective date: March 15, 2024 Lowest APR
New Auto 6.49%
Used Auto 6.74%

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