Compare loan terms
A longer auto loan can lower the monthly payment while increasing the amount paid over time. Compare terms before choosing a lender.
Free auto finance tool · US
Used Car
Payment Calculator
Estimate your monthly car payment before you visit the dealership. Add the real out-the-door price, cash down, trade-in equity, APR and loan term.
Calculate my payment ↓01
YOUR LOAN
02
YOUR ESTIMATE
$
Your payment estimate will appear here.
Complete the loan details and select calculate.
Plan before you buy
A clearer used car loan starts with the full price.
This used car payment calculator helps shoppers compare financing before signing. Use the complete out-the-door price—not only the advertised vehicle price—to get a more useful monthly car payment estimate.
Whether you need an auto loan calculator with trade-in, a car payment calculator with down payment or an APR car payment calculator, you can quickly compare loan terms from 24 to 84 months.
Use your real APR
Enter the annual percentage rate from your lender or preapproval. Credit profile, vehicle age and loan structure can affect the offered rate.
Check the car too
A comfortable payment does not make a questionable vehicle a good purchase. Review mileage, damage, title and ownership history first.
Questions buyers ask
Used car financing FAQ
Does this car payment calculator include taxes and registration fees?+
It can. Enter the vehicle’s full out-the-door price, including taxes and required fees, for the most useful estimate.
Does a trade-in reduce my monthly car payment?+
Positive trade-in equity reduces the amount financed. If you owe more than the vehicle is worth, that negative equity may increase the new loan instead.
What loan term should I compare for a used car?+
Compare several terms and consider both the monthly payment and total interest. A payment should leave room for insurance, fuel, maintenance and repairs.
Can I calculate a 0% APR car loan?+
Yes. Enter 0 for APR to estimate equal monthly payments without interest.