US Auto Finance
US Auto Loan Comparison Calculator
A lower monthly payment can hide a longer term and more total interest. This calculator compares two loan offers using the amount financed, APR, term and fees so you can see the real cost.
Official Standards & Rule Matrix
Two offersCompare rate, term and amount financed
Trade-inInclude trade-in value and payoff
FeesAdd documentation, title and other charges
OutputsMonthly payment and total finance cost
How to use this tool
- Enter the vehicle price, down payment and trade-in details.
- Enter the APR, term and fees for each offer.
- Compare the monthly payment and total amount paid.
- Check the contract for prepayment penalties and add-on products.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Is the lowest monthly payment the best deal?
- Not necessarily. A longer term can lower the payment but increase total interest. Compare the total finance charge and the payoff timing.
- Should I include negative equity?
- Yes, if you owe more on the trade-in than it is worth. Rolling negative equity into a new loan increases the amount financed.
- Does this include insurance?
- No. Auto insurance, registration and maintenance are separate ownership costs. The calculator focuses on the loan.
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