Auto Loan Calculator

Monthly auto loan payment and total interest.

Result

Amount financed$30,000.00
Monthly payment$592.62
Total interest$5,557.29
Total cost$40,557.29

Auto Loan Calculator — FAQs

Average auto loan rate?

~6.6% new / ~11.7% used (2025 averages). Credit unions often beat dealer financing.

48 vs 60 vs 72 months?

Longer terms cut the payment but raise total interest sharply — 72 months on $30k at 7% costs ~$2,700 more interest than 60.

What credit score do I need?

Prime rates (~6–7%) need ~661+; superprime 781+ gets the best. Below 600 expect 12%+ — consider a shorter loan and larger down payment.

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