Auto Loan LTV Calculator
Cars depreciate fast — LTV above 100% means negative equity from day one.
Result
LTV92%
Equity position2,000
Down payment for target3,000
After 20% depreciation115% LTV
Auto Loan LTV Calculator — FAQs
What's a good car LTV?
Under 80% — cars lose ~20% in year one, so high-LTV loans go underwater immediately. GAP insurance covers the gap if the car is written off.
What LTV do auto lenders allow?
Most allow 100–125% LTV (covering tax/fees rolled in). Above 125% typically requires a larger down payment.
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