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🚗 Auto Loan Calculator
For new or used car purchases. Enter the price, down payment, trade-in value, sales tax rate, APR, and term in months. Get monthly payment plus total cost over the life of the loan.
Examples
$35k price, $5k down, 7% APR, 60 monthsMonthly ~$594 · Total interest $5,640$18k price, $3k down, 8% APR, 48 monthsMonthly ~$367 · Total interest $2,600Frequently asked questions
What is a good auto loan rate?
New car rates vary 4-9% depending on credit. Used: 6-12%. Credit unions typically beat dealer financing by 1-2 points.
How long should the loan be?
Avoid 72+ month auto loans — you will likely owe more than the car is worth for most of the term. 48-60 months is healthier.
Should I take dealer cashback or low APR?
Compare both: cash rebate × (1 + APR × years) vs the value of low APR. Sites that calculate this often favor cash rebates unless the APR offer is genuinely 0%.
About this tool
Auto Loan Calculator runs entirely in your browser using standard Web APIs. No data is sent to any server. The source for this tool is in our public GitHub repository.
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- 💳 Credit Card Payoff Calculator — How long to pay off a credit card balance? Compare minimum vs aggressive payments.
Why this tool
vs typical free web-tool sites
| 1vw | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for premium features) |
| Ads inside the tool | No | Yes (banner + video) |
| Data sent to server | No (browser-only) | Yes (inputs analyzed for ads) |
| Total tools | 96 | Often <20 or scattered across sites |
| Bookmarkable URL per tool | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Multilingual | EN / ES / PT / FR / DE | Usually EN only |
| Open source | Yes | No |