Auto Calculator

Car & Truck Loan Calculator

We want you to be as prepared as possible when you’re shopping for your next car or truck. Use our calculator below to help you determine your monthly payment, so you know how much you can afford. 

Autos, Light Trucks & Road CyclesEffective Date:
Term rates as low as*
Up to 48 months 3.49%
49 - 60 months 3.64%
61 - 75 months 4.34%
76 - 84 months 5.19%
85 - 96 months 6.14%
Payment Example: $20,000 at 3.64% APR for 60 months equals $365.09.
*61-75 month financing requires a minimum loan amount of $10,000.00. 76-84 month financing requires a minimum loan amount of $20,000. 85 - 96 month financing requires a minimum loan amount of $30,000.00.

Monthly payment

Monthly payment for your auto financing.

Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. Don’t include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months for this loan.

Interest rate

Annual interest rate for this loan.

Rebates and cash down

Total amount of cash and/or factory rebates used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for “No sales tax deduction for trade-in” for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Non-taxable fees (optional)

Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.

Taxable fees (optional)

Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.

Sales tax rate

Sales tax percentage rate charged on this purchase.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire and Oregon have no sales tax on autos.

Your Next Steps

Apply Now or Get Pre-Approved

Ready to start the auto loan application or pre-approval process? Great. It only takes a few minutes. Let’s go!

Pay Off Your Loan Faster

If you paid a little extra on your loan each month, use our early payoff calculator to determine how much faster you could pay off your auto loan.

Need More Information?

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