Global Araç
Car Payment Calculator
Aylık ödeme
$602.74
Kredi tutarı: $30,080 (dahil $2,080 vergi)
Toplam ödenen
$36,164
Toplam faiz
$6,084
| Ödeme | Faiz | Anapara | Toplam |
|---|---|---|---|
| İlk ödeme (ay 1) | $188.00 | $414.74 | $602.74 |
| Son ödeme (ay 60) | $3.74 | $599.00 | $602.74 |
Erken ödemeler çoğunlukla faizdir; son ödemeler çoğunlukla anaparadır — bu yüzden erken ek ödeme yapmak bu kadar çok tasarruf sağlar.
Calculate the actual monthly cost of a car loan and total interest paid over the loan term before signing at the dealer. Tool runs full amortization showing how payments shift from interest to principal over time. On a 60-month $30,000 loan at 7%, monthly P&I is $594; total interest paid is $5,640. Stretching to 84 months drops monthly to $452 but total interest jumps to $7,968 — and you’re underwater (owing more than the car’s value) for years longer.
Current car-loan rate landscape (2025-2026): excellent credit (760+) gets 5.5-7% new, 6-8% used. Fair credit (650-720) sees 9-13%. Subprime (under 650) faces 15-20%+ with limited approvals. Dealer financing is typically 1-2% higher than credit-union financing. Always shop pre-approval at your bank or a credit union (PenFed, Navy Federal, local CU) before negotiating with a dealer. Walk in with a pre-approval letter and tell the dealer to beat it — most will, or admit they can’t.
The biggest financial mistake car buyers make: stretching the loan term to make the payment fit a target monthly budget. If a 60-month payment is too high but 84 months works, you can’t actually afford the car. The 60-month maximum is a financial safety rule. Other smart-buying patterns: 20% minimum down payment (less and you’re instantly underwater); avoid add-ons (extended warranty, gap insurance, paint protection are all overpriced; buy gap insurance separately for $100-200 if you need it); negotiate price separately from financing terms.
Nasıl Kullanılır
- Enter the negotiated car price (out-the-door, including doc fee but not tax/registration if separate).
- Enter down payment (target 20%+ to avoid negative equity).
- Enter trade-in value if applicable.
- Enter loan term — 60 months max recommended; 36 or 48 even better for total interest.
- Enter interest rate (use your pre-approval rate; if comparing dealer financing, run both).
- Read monthly P&I, total interest paid, total cost. Test sensitivity: bumping rate from 6% to 9% adds ~$100-200 to monthly payment on typical loans.
Ne Zaman Kullanılır
- Pre-dealer negotiation — knowing the math gives you leverage to walk if dealer financing is bad.
- Comparing financing options — dealer rate vs credit-union pre-approval vs cash purchase.
- Comparing different cars — TCO over loan term varies more than sticker price suggests.
- Lease vs buy decision — running buy scenario at same monthly payment shows what car you could own at lease cost.
Ne Zaman Kullanılmaz
- Cash purchases — no financing, no interest; just pick a price you can comfortably pay.
- Sub-12-month bridge loans — those have very different fee structures (origination fees, balloon payments) not modeled by amortization calculators.
- Lease analysis — lease payments use different math (residual value, money factor) than loans; use a lease calculator instead.
- Buy-here-pay-here / subprime financing — predatory practices not modeled by standard rates; high APR may be hidden in inflated price.
Yaygın Kullanım Senaryoları
- Buyer comparing 60-month vs 72-month financing on the same car.
- Pre-approval shopping — comparing 3 lender quotes before walking into a dealership.
- Monthly-budget reverse calculation — knowing target $400/month, calculating what loan amount is feasible.
- Refinance analysis — current loan vs refinance offer with different term/rate.
Sık Sorulan Sorular
How much car can I afford?
Common rule: car payment + insurance + fuel + maintenance ≤ 10-15% of take-home pay. A tighter rule: price ≤ 35% of gross income. For a $60,000 earner, that's a $21,000 car max. Use our car-affordability-calculator for your specific numbers.
What's a good interest rate on a car loan?
As of 2026: new car loans run 5.5-7% for excellent credit, 9-13% for fair credit, 15%+ for subprime. Used car rates are typically 1-2% higher. Dealer financing is often higher than credit union financing — shop both.
Should I choose a 60-month or 84-month loan?
60 months max, ideally less. 84-month loans keep payments low but extend you underwater (owing more than the car is worth) for 4+ years. If you can't afford the 60-month payment, you can't afford the car.
Is a car payment a bad financial move?
Not necessarily — but most Americans finance too much car. A $500 monthly car payment over 20 working years, invested at 8%, would be $275,000+ in retirement. The financial cost of car payments is massive. Buying used and financing shorter helps.