Car prêt calculateur

calculer votre mensuel car paiement de prix, bas paiement, trade-dans, taux et terme.

Dernière mise à jour : Oct 2, 2026

Car Purchase Details

Enter the vehicle price, upfront credits, APR, taxes, fees, and loan term.

Financing Preview $35,000 vehicle • 6.5% APR • 60 months

Currency

Loan Amount

APR %

Vehicle Price

Down Payment

Trade-In Value

APR %

Sales Tax %

Additional Fees

Loan Term

Need a different term? Enter the number of months.

Months

Loan Result

Estimated monthly payment and total financing cost.

Estimated Monthly Payment

per month

60-month auto loan at 6.5% APR

Amount Financed $0

Total Interest $0

Total Loan Payments $0

Loan Term 60 months

Vehicle Cost Breakdown

See how taxes, fees, down payment, and trade-in affect the estimated amount financed.

Vehicle Price

Sales Tax

Additional Fees

Down Payment

Trade-In Credit

Amount Financed

Loan Cost Breakdown

Compare the principal borrowed with the estimated interest paid over the full loan term.

Principal

Total Interest

Total Repayment

Car Loan Formula & Calculation

See how the monthly payment is calculated from the amount financed, APR, and loan term.

Monthly Payment = P × [r(1+r)ⁿ] ÷ [(1+r)ⁿ − 1]

Loan Term Comparison

Compare monthly payment and total interest using the same principal and APR across common auto-loan terms.

Loan Term	Monthly Payment	Total Interest	Total Repayment

What If You Put More Money Down?

Compare how a larger down payment changes the estimated monthly payment while keeping the APR and loan term the same.

Current Down Payment

+1,000 Down

+2,500 Down

+5,000 Down

Loan Balance Over Time

See how the estimated remaining principal decreases as monthly payments are made.

Car Loan Amortization Schedule

Review how each monthly payment is divided between principal and interest.

Payment	Payment Amount	Principal	Interest	Remaining Balance

Calculation Assumptions

The calculator estimates a fixed-rate amortizing auto loan with equal monthly payments. In Car Purchase mode, sales tax is calculated from the entered vehicle price before subtracting the down payment or trade-in. Actual tax treatment of trade-ins, registration costs, lender fees, dealer charges, rebates, add-on products, and financing terms can vary. The calculated payment is an estimate and is not a lender offer.

entre le vehicle prix, votre bas paiement ou trade-dans, le intérêt taux, et le prêt terme, un lot goes dans quoi réel lands sur votre mensuel car paiement. ce calculateur brings il ensemble dans un endroit.

pourquoi le terme compte plus que personnes expect

automatique prêts avoir gotten plus long — 72 et même 84-mois termes sont maintenant courant — parce que ils inférieur le mensuel paiement. mais cars depreciate plus rapide que long prêts amortize, lequel peut leave vous "underwater" (owing plus que le car est worth) pour ans. un court terme, même à un légèrement plus élevé taux, généralement coût moins overall et éviter que gap.

Trade-ins réduire le montant finance, pas juste le prix

votre trade-dans valeur fonctionne le même comme un cash bas paiement dans ce calculateur — il réduire le montant vous besoin à finance, lequel inférieur les deux votre mensuel paiement et le total intérêt charged sur le prêt.

Questions fréquentes

devrait je finance via le dealer ou mon bank?

comparer les deux. Dealers parfois désactivé promotional low-APR finance sur certain models, mais votre propre bank ou credit union peut beat un dealer's standard taux — obtenir pre-approved avant vous negotiate donc vous savoir votre réel baseline.

fait un bigger bas paiement toujours faire sense?

il réduire votre prêt montant et total intérêt, mais tying haut plus cash isn't automatiquement le correct déplacer si que money could earn plus elsewhere ou vous besoin il pour emergencies — c’est un solde, pas un automatique oui.