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Dealer Markup Calculator

Compare a dealer-offered APR with a lender buy-rate scenario for the same auto-loan amount and term.

Quick answer: Compare a user-entered lender-rate scenario with a dealer-quoted APR to estimate the signed payment and total-cost difference; it does not establish dealer compensation. Enter Loan Amount, Lender Buy Rate, Dealer-Offered Rate, and Loan Term (Months) to personalize the estimate. It returns Signed Total Cost Difference, Payment at the Dealer Rate, and Extra Monthly Cost so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.

Signed Total Cost Difference
$2,131
Signed Total Cost Difference
$2,131
Payment at the Dealer Rate
$615
Extra Monthly Cost
$36
Diagnostic

The dealer rate adds about $36 to your monthly payment.

Over the full term, the signed payment difference totals about $2,131; positive means the dealer APR costs more.

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What to do next

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Your action plan
  1. 1

    Set the target and timeline for this plan

    Compare a user-entered lender-rate scenario with a dealer-quoted APR to estimate the signed payment and total-cost difference; it does not establish dealer compensation.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

Compare auto loan rates

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub
Compare
You could gain ~$2,131/yr — compare nowMove from calculation to current product options.
Rate Trend
Track personal loansUse market context before you decide when to act.
Guide
What the Dealer Adds to Your Auto Loan Rate, and How to Beat ItWhen a dealer arranges your car loan, it often marks up the lender's rate and keeps the difference. That hidden spread can cost thousands. Here is how to see it and get the real rate.
Money Map
Map this $2,131/yr opportunitySave this opportunity and see how it fits your broader money plan.
Alert
Create a rate alertWatch the market instead of checking manually.
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Reviewed Aug 9, 2026 · Methodology

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Frequently Asked Questions

Everything you need to know.

What does the Dealer Markup Calculator show?
Compare a dealer-offered APR with a lender buy-rate scenario for the same auto-loan amount and term.
How should I use the result?
Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.
What should I do after using this calculator?
Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.
Is the Dealer Markup Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Dealer Markup Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to compare auto loan rates ->, or run Money Map to compare this loans & credit decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (auto) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Dealer Markup Calculator helps users make a loans & credit decision with clearer numbers, assumptions, and next actions.

How to Use It

  1. 1Enter your numbers in the input panel.
  2. 2Review the live results and interpretation on the right.
  3. 3Use the goal outputs to compare options or plan the next step.
  4. 4Use the related links below if you want to move from analysis to action.
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