Auto Loan Calculator — Monthly Car Payment Calculator
Calculate your exact monthly car payment and total interest for any vehicle price, rate, and term. See why getting pre-approved from a credit union beats the dealer.
Over the life of this loan, you pay $5,185 in interest.
That's the cost of borrowing on top of what you actually got.
See current ratesAdvertising disclosure: SwitchWize may earn a referral fee if you open an account through a link above. This does not affect our rankings. Learn more
Coach Insight
Dealerships make more profit on financing than on the car itself. A 7% dealer rate vs 5% credit union rate on a $35,000 vehicle over 60 months costs $1,900 extra. Always get pre-approved before the dealership.
Frequently Asked Questions
Everything you need to know.
Related Calculators
Why This Matters
Dealerships make more profit on financing than on the car itself. A 7% dealer rate vs 5% credit union rate on a $35,000 vehicle over 60 months costs $1,900 extra. Always get pre-approved before the dealership.
How to Use It
- 1Enter vehicle price and down payment
- 2Enter the loan APR
- 3Set the loan term (36–84 months)
- 4Compare total cost at different terms — longer terms mean more total interest
Find the best account for this goal
Money Map matches your numbers to the strongest available accounts in 90 seconds.
Ready to take the next step?
Compare rates, run Money Map, or explore the full SwitchWize toolkit.