Smarter Car Buying Starts Here
Calculate car payments, compare loan scenarios, and make informed financing decisions with our free educational tools. Trusted nation-wide.
Everything You Need for Smart Car Financing
Professional tools and resources to make informed car buying decisions
15+ Free Calculators
Professional-grade tools for auto loans, leases, refinancing, trade-ins, and more. Get reliable calculations with industry-standard formulas.
Expert Resources
Comprehensive guides on interest rates, credit scores, dealer negotiations, and industry trends to stay informed.
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Add our professional calculators to your website or blog. Free for educational and commercial use with attribution.
Essential Car Financing Calculators
Most popular tools for smart car buying decisions
Auto Loan Calculator
Calculate monthly car payments, total interest, and loan amortization. Compare different loan terms, rates, and down payments. Includes tax and fee calculations for reliable out-the-door estimates.
Car Lease Calculator
Calculate lease payments with money factor, residual value, and fees. Compare leasing vs buying to maximize savings and flexibility. Understand lease terms and negotiate better deals.
Auto Refinance Calculator
Lower your car payment today. See exactly how much you'll save by refinancing. Calculate break-even point, total interest savings, and compare different refinance scenarios.
Car Financing Education & Resources
Expert guides to help you understand auto financing and make better decisions
Common Car Financing Questions
Get quick answers to the most asked questions about auto financing
How do I calculate my car loan payment?
Use our auto loan calculator by entering the loan amount, interest rate, and loan term. The calculator will show your monthly payment, total interest, and total cost. You can also include taxes, fees, and down payment for a complete estimate.
Should I lease or buy a car?
Use our lease vs buy calculator to compare total costs. Leasing typically has lower monthly payments but you don't own the car. Buying builds equity and is better for long-term ownership. Consider your driving habits, budget, and how long you plan to keep the vehicle.
How much car can I afford?
Use our car affordability calculator to determine your budget. Generally, your total car expenses (payment, insurance, gas, maintenance) should not exceed 15-20% of your monthly income. Consider your down payment, credit score, and other financial obligations.
What credit score do I need for a car loan?
Most lenders require a minimum credit score of 600-650 for auto loans. Scores above 700 typically qualify for the best rates. However, some lenders offer loans to borrowers with lower scores, though at higher interest rates. Use our calculator to see how different rates affect your payment.
How much should I put down on a car?
A down payment of 20% is generally recommended to avoid negative equity and secure better loan terms. However, you can put down as little as 0-10% depending on your credit score and lender requirements. Use our calculator to see how different down payments affect your monthly payment and total cost.
Is it better to finance through a dealer or bank?
It's best to shop around and compare offers from multiple sources. Check with your bank or credit union first, then compare dealer financing offers. Use our calculator to compare different rates and terms. Sometimes dealers can offer competitive rates, especially during promotional periods.
Built for Smart Car Buyers
Everything you need to make confident car financing decisions
Lightning Fast Calculations
Get instant results without waiting. No email required, no signup needed. Calculate car payments, loan terms, and compare options in seconds.
Accuracy You Can Trust
Transparent formulas with clear assumptions and examples. Our auto loan calculator uses industry-standard formulas for reliable estimates.
100% Private & Secure
Your calculator data stays in your browser. No tracking of financial inputs, no selling of personal data, no spam. Calculate car financing scenarios with privacy protection. Note: We do use display ads and traffic/visitor analytics for general website usage data.
Save Money on Car Financing
Many users save thousands by comparing offers and optimizing loan terms. Use our tools to negotiate better deals.
Comprehensive Payment Calculations
Calculate payments with trade-in equity, taxes, and fees included. Get detailed breakdowns for informed financing decisions.
Expert Car Financing Support
Free guides and resources to help you understand every financing option. Make informed decisions with expert advice.
Real People, Real Car Financing Savings
Join thousands who've saved money using our car financing tools
"The auto loan calculator helped me understand my options and plan a realistic budget. I saved $3,200 by choosing a shorter loan term."
"The lease buyout calculator showed me I had equity in my lease. So helpful for making my decision to buy it out!"
"Used the refinance calculator to compare scenarios and understand my savings. Lowered my payment by $127/month!"