Auto financing is one of the most misunderstood aspects of vehicle ownership, but it doesn't have to be. The calculators and rate estimator below are fully functional tools you can use to map out your next auto loan. The Interest Rate Estimator below will show you what rates to expect based on your credit tier and the age of the vehicle. The Total Amount Financed and Monthly Payment Calculators will show you exactly what you should be financing and what that looks like monthly.
Select your credit tier and the age of the vehicle you're considering, and the estimator will show you the rate range you can expect from most lenders. Below, you'll find the full chart we use to arrive at that figure.
| Credit Tier | Subvented New Only |
New Vehicle 2025–2026 |
1–3 Years 2022–2024 |
4–6 Years 2019–2021 |
7–10 Years 2015–2018 |
|---|---|---|---|---|---|
| Excellent 720+ | 0%–2.99% | 4.95%–6.49% | 5.99%–7.49% | 7.49%–9.49% | 9.99%–13.99% |
| Good 680–719 | Not eligible | 6.49%–8.49% | 7.49%–9.49% | 9.49%–12.49% | 12.99%–16.99% |
| Fair 620–679 | Not eligible | 8.49%–11.99% | 9.99%–13.99% | 12.99%–16.99% | 16.99%–21.99% |
| Below Avg 580–619 | Not eligible | 11.99%–15.99% | 13.99%–18.99% | 16.99%–22.99% | Not typically approved |
| Challenged Below 580 | Not eligible | 15.99%–19.99% | 18.99%–23.99% | Not typically approved | Not typically approved |
Estimated ranges based on typical lender tiers. Your exact rate is determined by the lender at the time of financing and depends on your full credit profile, loan term, and the specific vehicle.
This interactive calculator will help you figure out the different pieces of your auto loan. First, determine what you'll be solving for. If you want to solve for your monthly payment, select 'Monthly Payment' on the 'Solve For' tab and enter the amount financed, interest rate, and loan term. If you want to solve for the amount financed, select 'Amount Financed' and enter the interest rate, loan term, and monthly payment. The calculator will then complete the equation in the output field, showing you every piece of the loan — right down to the total cost, broken out at the very bottom.
The total you're borrowing. Lower this number to lower your payment.
Enter your APR — we'll calculate the total financing charges based on your amount and term.
Typically 24–84 months. Shorter terms mean higher payments but lower rates and less total interest.
What you pay each month. Reduce it by lowering your amount, rate, or extending your term.
Estimate only. Final rate and payment determined by lender at time of financing.
This interactive calculator will help you figure out the total amount you'll be financing — before any interest is applied. First, determine what you'll be solving for. If you want to solve for your amount financed, select 'Amount Financed' on the 'Solve For' tab and enter your vehicle price, tax, title and fees, trade equity, and down payment. If you want to solve for price, select 'Price' and enter your target amount financed along with those same costs. The calculator will then complete the equation in the output field, showing you every piece of the deal.
The negotiated purchase price — not the sticker. The single most important variable.
Includes registration, title, sales tax, doc fee, and any dealer-added products like warranties or gap insurance. An approximate figure is fine.
Value minus what you owe. Positive equity reduces your loan. Negative equity rolls in. No trade = leave blank.
Cash applied upfront. Every dollar reduces your amount financed dollar for dollar.
The total you'll owe the lender before interest — the key input for the Monthly Payment Calculator.
Use this figure as your Amount Financed input in the Monthly Payment Calculator.
These calculators are designed to give you clarity before you ever walk into a dealership. If you're ready to take the next step — whether that's buying, selling, refinancing, or just getting your questions answered — we're here to help.
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