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Most popular tools for smart car buying decisions
Calculate monthly car payments, total interest, and loan amortization. Compare different loan terms, rates, and down payments. Includes tax and fee calculations for accurate out-the-door estimates.
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Calculate lease payments with money factor, residual value, and fees. Compare leasing vs buying to maximize savings and flexibility. Understand lease terms and negotiate better deals.
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Lower your car payment today. See exactly how much you'll save by refinancing. Calculate break-even point, total interest savings, and compare different refinance scenarios.
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Expert guides to help you understand auto financing and make better decisions
Complete guide to understanding auto loans, interest rates, and loan terms. Learn how to get the best rates and avoid common pitfalls.
Learn how to determine how much car you can afford. Understand the 20/4/10 rule and budget planning strategies.
Smart strategies for saving for a down payment. Understand how down payments affect your loan terms and monthly payments.
Detailed comparison of leasing vs buying. Understand the pros and cons of each option for your specific situation.
Fast, actionable guides for common car financing situations
Set a realistic budget, understand loan options, compare offers, and avoid costly mistakes as a first-time buyer.
Model both paths with taxes, fees, and total out-of-pocket costs. Make an informed decision based on your driving habits.
Refinance scenarios and break-even math in minutes. See exactly how much you can save on your monthly payment.
Estimate your trade-in equity and decide whether to trade in or sell privately for maximum value.
Get quick answers to the most asked questions about auto financing
Use our auto loan calculator by entering the loan amount, interest rate, and loan term. The calculator will show your monthly payment, total interest, and total cost. You can also include taxes, fees, and down payment for a complete estimate.
Use our lease vs buy calculator to compare total costs. Leasing typically has lower monthly payments but you don't own the car. Buying builds equity and is better for long-term ownership. Consider your driving habits, budget, and how long you plan to keep the vehicle.
Use our car affordability calculator to determine your budget. Generally, your total car expenses (payment, insurance, gas, maintenance) should not exceed 15-20% of your monthly income. Consider your down payment, credit score, and other financial obligations.
Most lenders require a minimum credit score of 600-650 for auto loans. Scores above 700 typically qualify for the best rates. However, some lenders offer loans to borrowers with lower scores, though at higher interest rates. Use our calculator to see how different rates affect your payment.
A down payment of 20% is generally recommended to avoid negative equity and secure better loan terms. However, you can put down as little as 0-10% depending on your credit score and lender requirements. Use our calculator to see how different down payments affect your monthly payment and total cost.
It's best to shop around and compare offers from multiple sources. Check with your bank or credit union first, then compare dealer financing offers. Use our calculator to compare different rates and terms. Sometimes dealers can offer competitive rates, especially during promotional periods.
Everything you need to make confident car financing decisions
Get instant results without waiting. No email required, no signup needed. Calculate car payments, loan terms, and compare options in seconds.
Transparent formulas with clear assumptions and examples. Our auto loan calculator uses industry-standard formulas for precise results.
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Many users save thousands by comparing offers and optimizing loan terms. Use our tools to negotiate better deals.
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Free guides and resources to help you understand every financing option. Make informed decisions with expert advice.
Join thousands who've saved money using our car financing tools
"The auto loan calculator helped me understand my options and plan a realistic budget. I saved $3,200 by choosing a shorter loan term."
"The lease buyout calculator showed me I had equity in my lease. So helpful for making my decision to buy it out!"
"Used the refinance calculator to compare scenarios and understand my savings. Lowered my payment by $127/month!"
Educational calculators and guides to help you make informed car financing decisions