Car Payment Calculator
Two quick ways to plan your budget: see the monthly payment for a car you like, or start from the payment you want and see how much car it buys.
Payment calculator
Estimated payment: — per month
*Example only, not a credit offer. Your rate depends on credit, term and lender. Tax, title and fees not included.
Buying power
You can shop up to about —
Estimate only, before tax, title and fees. Not a credit offer.
How car payments are worked out
A car loan payment depends on four things: the amount you borrow (the price minus your down payment and trade-in), the interest rate (APR), the number of months, and any taxes and fees added to the loan. A longer term lowers the monthly payment but means you pay more interest overall. A bigger down payment or trade-in lowers both.
Your APR depends mostly on your credit history. The credit score slider above shows how much the rate can change a payment. When you are ready, get pre-qualified to see real numbers, or value your trade to see what your current car is worth toward the next one.