Enter vehicle price, down payment, trade-in, sales tax, and fees to see your true loan amount and payment before you sign.
Vehicle & Loan
Amortization Schedule
| Month | Payment | Principal | Interest | Balance |
|---|
Practical tips & common mistakes
Total cost, not just payment
A lower monthly payment with a longer term often means more total interest. Compare total paid, not just the installment.
Rolling negative equity
Trading in underwater loans into a new loan hides the problem in a bigger balance. Run the numbers before you roll over.
Pre-approval leverage
Know your max affordable payment before the dealer runs credit. Their "monthly payment" framing is designed to anchor high.
Gap and warranties
This tool covers principal and interest only — add insurance, registration, fuel, and maintenance for true ownership cost.