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The loan amount equals the car price plus sales tax and fees, minus your down payment and trade-in value. For example, a $30,000 car with 6% tax ($1,800) and $500 in fees, minus a $5,000 down payment and $8,000 trade-in, gives a loan amount of $19,300.

As of 2026, good rates range from 4% to 7% for borrowers with strong credit (700+). Subprime borrowers may see rates of 10% to 15%. New cars typically have lower rates than used cars. Shop around with banks, credit unions, and dealers to find the best rate.

A 60-month loan has higher monthly payments but less total interest. A 72-month loan lowers monthly payments but increases total interest and extends your debt. As a rule of thumb, keep your car loan term at 60 months or less to avoid being upside down (owing more than the car is worth).

Experts recommend 20% down for a new car and 10% for a used car. A larger down payment reduces your loan amount, monthly payment, and total interest. It also helps you avoid being underwater on the loan if the car depreciates quickly.

No, this calculator focuses on the loan payment only. Insurance, maintenance, fuel, and registration are additional costs of car ownership. Budget an extra $200–$400 per month for these expenses depending on your vehicle and location.