Online Car Loan Calculator - no-signup required.
Payment Schedule
| Payment # | Payment Date | Payment Amount | Principal | Interest | Remaining Balance |
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Other Helpful Calculators
Lease vs Buy
Compare total costs of leasing versus financing
Refinance Calculator
See if refinancing your auto loan makes sense
Total Cost of Ownership
Calculate 5-year costs including fuel and insurance
Smart Car Buying Tips
How to Get the Best Auto Loan Rate
Dealers aren't always your best financing option. Here's the real deal:
- Credit score magic: That 720+ score can save you thousands. Check it free before applying.
- The 20/4/10 rule: Put 20% down, finance for no more than 4 years, keep payments under 10% of income.
- Rate shopping hack: Multiple loan applications within 14 days count as one credit inquiry.
When to Lease vs. Buy
Leasing isn't evil - it just works better for certain situations:
- You want a new car every 2-3 years
- You drive under 12,000 miles annually
- You prefer lower monthly payments
- You drive more than 15,000 miles/year
- You want to customize your vehicle
- You plan to keep the car long-term
Dealer Negotiation Tips
Walk into the dealership armed with these tactics:
- Never negotiate based on monthly payment - focus on the total price first
- Time your purchase for end of month/quarter when sales quotas are due
- Get pre-approved from your bank or credit union first
- Watch out for "add-ons" like extended warranties and paint protection
About CarLoanCalc.online
Hey there! I'm a car enthusiast and personal finance nerd who got tired of dealerships pushing bad loan terms on unsuspecting buyers.
After helping friends and family navigate car purchases for years, I built these calculators to give everyone the same transparent information I was sharing privately.
This site will always be:
- Free - no paywalls or premium features
- Private - we don't sell your data or require signups
- Unbiased - no sponsored loan offers or paid placements
The site earns money through ethical advertising (when you see an ad, it's clearly marked) and affiliate partnerships with financial products I genuinely recommend.
Privacy Policy
TL;DR: We don't collect or store your personal loan information.
- Basic analytics: We use anonymized Google Analytics to understand traffic patterns
What We Don't Collect
- Your personal financial information
- Your exact loan details (calculations happen in your browser)
- Any data that could identify you personally
For complete details, see our full Privacy Policy.
Contact Us
Have a question or suggestion? Found a bug in the calculator?
Email me directly: info@carloancalc.online
I read every message and typically respond within 24 hours.
Loan Summary
About This Calculator
Shopping for a new ride? This car loan calculator helps you figure out your monthly payments, total interest, and the real cost of your next vehicle.
I made this because buying a car is stressful enough without doing math in your head. It's quick, easy, and doesn't ask for your info. Use it to compare deals, plan your budget, or just satisfy your curiosity.
Bookmark this auto loan calculator for your next car search. It's free, fast, and always here when you need it!
Important Notice
The calculations provided are estimates only and should not be considered financial advice. Actual loan terms and payments may vary based on lender requirements, creditworthiness, and other factors. Always consult with a qualified financial professional before making any financial decisions. The creators of this tool are not responsible for any financial decisions made based on these calculations.
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