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Car Loan Calculator 2026

See your exact monthly payment, total interest, and whether that car actually fits your budget.

🚗 Vehicle & Loan Details

Monthly Payment
Total Interest Paid
Total Loan Amount
Total Cost of Vehicle

🛡️ Compare Auto Loan Rates — Save Hundreds

LendingTree compares rates from 300+ lenders in minutes. The average borrower saves $1,200+ by shopping rates before going to the dealer.

Compare Auto Loan Rates →

📊 The 20/4/10 Rule for Car Buying

20% down payment minimum • 4-year maximum loan term • 10% of gross monthly income max for all auto expenses (payment + insurance).

Current avg new car loan rate: ~7.5% APR. Credit unions often offer 1-2% less than dealerships. Always get pre-approved before shopping.

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.