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US Auto Loan Offer Comparison

Compare two loan rates and terms using the same car price, quoted charges, down payment and trade-in equity.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Independent ToolsKo estimate. Sources reviewed November 11, 2026. Fixed-rate monthly amortization worksheet, not a credit offer or approval. Enter annual CONTRACT INTEREST rates, not APR: APR can incorporate fees not modeled as interest here. Use dealer/lender itemized tax, title, registration, fees and selected add-ons as one entered dollar amount. This tool does not infer state tax rates, trade-in tax credits or calculate legal taxes. Assumes all entered charges and old loan payoff are financed, less cash down and trade allowance; do not double count trade payoff in charges. Compares financing on the same vehicle transaction only. Excludes leases, balloon payments, daily accrual, lender fees not entered, penalties, depreciation, operating costs and insurance. Small final-payment rounding adjustment applies.

How to use it (step by step)

  1. 1Copy the car price and the itemized dollar total for taxes, fees and chosen add-ons from a written quote. Enter cash down, gross trade allowance and the old loan payoff separately.
  2. 2Enter each offer’s annual contract interest rate and monthly term. Get the rate from the lender; do not substitute an APR containing fees.
  3. 3Compare monthly payment, interest and loan repayments together. Confirm amounts against the required lender disclosures; the lowest monthly payment may have a higher total cost.

Words to know

Negative equity
The part of the old loan payoff above the trade-in value, which increases the new amount financed in this model.
Contract rate vs APR
The contract rate drives interest here. APR is a broader cost-of-credit disclosure and may include certain fees.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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