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The monthly payment is calculated using the standard loan amortization formula: PMT = P × [r(1+r)^n] / [(1+r)^n - 1], where P is the loan principal (vehicle price minus down payment and trade-in), r is the monthly interest rate, and n is the number of months. Sales tax is added to the vehicle price before calculating the loan.

A down payment reduces your loan amount, which lowers your monthly payment and total interest paid. Experts recommend at least 10-20% down for new cars and 10% for used cars. A larger down payment may also help you qualify for a better interest rate.

As of 2025, average car loan rates range from 5-8% for new cars and 7-11% for used cars, depending on credit score. Excellent credit (750+) may qualify for rates below 5%, while fair credit (580-669) may see rates above 10%.

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