Your monthly car payment, all-in.
| # | Payment | Principal | Interest | Balance |
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Enter the amount you are financing (price minus down payment and trade-in), the APR from your loan offer, and the term. Auto loans usually run 36 to 84 months; shorter terms mean higher payments but far less interest. Because the car secures the loan, auto APRs usually beat unsecured personal-loan rates; the auto vs personal comparison shows the gap on the same loan.
Illustrative example (not a current-market quote): financing $28,000 at 7% over 60 months comes to about $554.43/mo with $5,266.01 of total interest. Try your own numbers above, and add an extra payment to see the payoff move.
If you are rolling them into the financing, yes: enter the full amount you will actually borrow. If you are paying them in cash at signing, leave them out.
Yes. Stretching the same amount over more months lowers the payment but raises total interest, and increases the time you owe more than the car is worth.
Use the APR from an actual offer or preapproval. Rates vary widely with credit score, term, and whether the car is new or used, so any single "typical" number would mislead.
Plain loan calculator · Loan payoff calculator · Auto loan vs personal loan