新車・中古車の月々のローン返済額を計算。
Enter vehicle price, down payment, and loan terms to see your monthly payment
Subtract down payment and trade-in value from the vehicle price to get your actual loan amount.
Using the amortization formula, we calculate your fixed monthly payment over the loan term.
Each payment splits into principal and interest, with early payments favoring interest.
Type the negotiated price and any down payment, trade-in, or dealer rebate. The loan amount is price minus down payment.
Type the APR (annual percentage rate) and loan term in months or years. Most auto loans are 36-72 months; longer terms lower payments but cost more interest.
Enter your states sales tax rate. We compute tax on the vehicle price and add it to the loan principal so the monthly payment is accurate.
For related calculations, try our loan calculator.
新車3万ドル（頭金なし）・5年の場合：
| APR | 月々の返済 | 総利息 |
|---|---|---|
| 4.5%（非常に良い信用） | 557ドル | 3,402ドル |
| 6.5%（良い信用） | 587ドル | 5,233ドル |
| 9.5（中程度の信用） | 627ドル | 7,610ドル |
2026年の新車平均金利：6.0〜6.5%（信用スコア700+）。中古車は7〜9%。支払期間60ヶ月超は利息が大幅に増える。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
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Most auto loans require 660+ for prime rates, 600-659 for near-prime, and below 600 for subprime (higher rates). Our auto loan calculator lets you enter any interest rate to model the difference. A 50-point credit improvement can save 1-2% on the rate, which on a $30,000 5-year loan equals $1,500-3,000 in interest.
How it works
Our auto loan calculator lets you estimate your monthly car payment, total interest, and total cost based on price, rate, and term in four steps.
Type the negotiated price of the vehicle. Do not include taxes and fees - those are added separately by the lender.
Type any cash down payment and the value of your trade-in. The loan amount is price minus these two amounts.
Type the annual percentage rate the lender offered, and the loan length in months. Most auto loans are 36 to 72 months.
The calculator shows your monthly payment, total interest paid, total cost of the loan, and the loan amount financed.
Calculate monthly loan payment, total interest, and repayment schedule.
Calculate monthly lease payments, total cost, and depreciation for any new car lease.
Calculate the monthly payment for any loan amount, rate, and term.
Compute the annual percentage rate from interest rate and fees, or solve for monthly payment.
Find the breakeven point and monthly savings from refinancing.
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