Auto Loan ماشینحساب
از Auto Loan ماشینحساب برای دریافت نتایج سریع و دقیق استفاده کنید.
نحوه استفاده از این ماشین حساب
- Vehicle Price (﷼) را وارد کنید
- Down Payment (﷼) را وارد کنید
- Interest Rate (%) را وارد کنید
- Loan Term (months) را وارد کنید
- روی دکمه محاسبه کلیک کنید
- نتیجه نمایش داده شده در زیر ماشین حساب را بخوانید
How Auto Loan Calculations Work
An auto loan is an installment loan where you borrow a fixed amount to purchase a vehicle and repay it through equal monthly payments over a set term. Your monthly payment is determined by four key variables: loan amount (principal), annual interest rate (APR), loan term (months), and any down payment or trade-in value.
The standard amortization formula used is: M = P × [r(1+r)^n] / [(1+r)^n − 1]
Where: M = monthly payment, P = principal (loan amount), r = monthly interest rate (APR ÷ 12), n = total number of payments (months).
Practical example: Buying a 1,600,000,000 ﷼ car with a 200,000,000 ﷼ down payment, 6.5% APR, 60-month term:
- Principal: 1,400,000,000 ﷼
- Monthly rate: 6.5% ÷ 12 = 0.5417%
- Monthly payment: 27,350,000 ﷼
- Total paid: 1,641,000,000 ﷼
- Total interest: 241,000,000 ﷼
The same car at 84 months: monthly payment drops to 20,750,000 ﷼ but total interest rises to 343,000,000 ﷼ — a 102,000,000 ﷼ difference for the same car just by extending the term.
New vs Used Car Loans: Interest Rates and Terms
The type of vehicle significantly affects available rates and terms. New car loans carry lower rates because: (1) the vehicle serves as collateral and new cars retain value better initially, (2) dealers often have manufacturer-subsidized financing programs, and (3) lenders view new car buyers as lower default risk.
| Credit Score | New Car APR (typical) | Used Car APR (typical) |
|---|---|---|
| Excellent (750+) | 3.0–5.5% | 4.5–7.5% |
| Good (700–749) | 5.0–7.5% | 7.0–10.5% |
| Fair (650–699) | 7.5–12% | 10.5–15% |
| Poor (580–649) | 12–18% | 15–20% |
| Very Poor (below 580) | 18–25%+ | 20%+ |
Dealers frequently advertise very low promotional APRs (0%, 1.9%, 2.9%) — but these typically require excellent credit and may be paired with a higher vehicle price than negotiated-cash-purchase alternatives. Always calculate the total cost (purchase price + total interest), not just the monthly payment, to compare financing offers fairly.
Manufacturer-sponsored rates (e.g., Toyota Financial, Ford Motor Credit) are often genuinely competitive, but get a pre-approval from your bank or credit union first as a benchmark.
Total Cost vs Monthly Payment: The Real Numbers
One of the most common auto-buying mistakes is focusing on monthly payment rather than total cost. Dealers know this and use it to sell longer loan terms and accessories that make the car seem affordable when it actually costs significantly more.
Real cost comparison for a 1,400,000,000 ﷼ loan at 6.5% APR:
| Loan Term | Monthly Payment | Total Paid | Total Interest |
|---|---|---|---|
| 36 months | 42,800,000 ﷼ | 1,540,800,000 ﷼ | 140,800,000 ﷼ |
| 48 months | 33,200,000 ﷼ | 1,593,600,000 ﷼ | 193,600,000 ﷼ |
| 60 months | 27,350,000 ﷼ | 1,641,000,000 ﷼ | 241,000,000 ﷼ |
| 72 months | 23,600,000 ﷼ | 1,699,200,000 ﷼ | 299,200,000 ﷼ |
| 84 months | 20,750,000 ﷼ | 1,743,000,000 ﷼ | 343,000,000 ﷼ |
Going from 36 to 84 months saves 22,050,000 ﷼/month but costs an extra 202,200,000 ﷼ in interest — and exposes you to negative equity risk (being "underwater" — owing more than the car is worth) for much of the loan, especially as vehicle depreciation is front-loaded.
Financial advisors generally recommend auto loan terms of 48–60 months maximum. Never finance a car for longer than you plan to keep it.
Down Payments, Trade-Ins, and Negotiation
Down payment reduces the loan principal, which directly reduces monthly payments and total interest. The traditional recommendation is 20% down for new cars, 10% for used. With new car depreciation running 15–25% in the first year, a 20% down payment helps you avoid going underwater immediately.
If you have a trade-in, its value can substitute for a cash down payment. Get three independent trade-in offers (CarMax, Carvana, Carmax, local dealers) before accepting the dealer's offer — dealers often low-ball trade-ins, especially when you haven't negotiated separately.
Negotiation order matters: Always negotiate the vehicle purchase price before discussing trade-in or financing. Dealers use monthly payment as a negotiation variable that obscures the true price. Your goal is to negotiate: (1) purchase price, (2) trade-in value, and (3) financing — as three separate transactions.
Rule of thumb: Your total monthly vehicle costs (loan payment + insurance + fuel + maintenance) should not exceed 15–20% of your monthly take-home pay. Including full ownership costs prevents the trap of buying more car than you can truly afford.
Refinancing and Early Payoff Strategies
If you already have an auto loan, refinancing or extra payments can save meaningful money:
Refinancing: If interest rates have fallen since you took out your loan, or if your credit score has improved significantly, refinancing to a lower rate can reduce your payment and total interest. Shop multiple lenders — most rate-shopping inquiries within a 14–45 day window count as a single hard inquiry for credit scoring purposes.
Break-even calculation: If refinancing saves 2,500,000 ﷼/month and closing costs are 25,000,000 ﷼ break-even is 10 months. If you plan to keep the car longer, refinancing makes sense.
Extra payments: Making extra principal payments reduces both the outstanding balance and future interest. Check that your loan agreement specifies extra payments are applied to principal, not just future payments. Even 2,500,000 ﷼–100 extra per month on a 1,250,000,000 ﷼ 60-month loan can shave several months off the term and save several hundred dollars in interest.
Biweekly payments: Instead of 12 monthly payments, make 26 half-payments per year (biweekly). This results in one extra full payment per year, reducing a 60-month loan to approximately 53 months without feeling a significant monthly burden.
Frequently Asked Questions
What is a good APR for a car loan?
With excellent credit (750+): 3–5.5% for new, 4.5–7.5% for used. Good credit (700–749): 5–7.5% for new, 7–10.5% for used. Fair credit (650–699): 7.5–12%. Rates above 15% are considered high — consider improving your credit score, making a larger down payment, or waiting 6–12 months before buying.
How much should I put down on a car?
20% down on a new car and 10% on a used car is the traditional guideline. This reduces your loan amount, monthly payments, and total interest — and critically prevents you from being underwater (owing more than the car is worth), which limits your options if you need to sell or your car is totaled.
Should I finance through the dealer or my bank?
Always get a pre-approval from your bank or credit union before visiting the dealer. This gives you a concrete rate to compare against the dealer's offer and negotiating leverage. Dealers act as middlemen for financing (they submit your application to multiple lenders and earn a "dealer reserve" from the rate markup). Your own bank may beat them, especially for used cars.
How does my credit score affect my car loan rate?
Credit score is the single biggest factor affecting your auto loan rate. The difference between excellent credit (750+) and fair credit (650–699) can mean 5–8 percentage points higher APR, costing thousands of dollars more over a 60-month loan. If your credit is fair or poor, consider delaying the purchase by 6–12 months to improve your score first.
Can I pay off a car loan early?
Yes. Most auto loans today don't have prepayment penalties (but verify in your loan agreement). Paying off early saves on remaining interest. However, if your loan rate is low (below 4%) and you have other higher-interest debt or insufficient emergency savings, it may be mathematically better to address those first before making extra car payments.
What is a realistic car payment for someone earning 2,500,000,000 ﷼/year?
At 2,500,000,000 ﷼/year take-home of roughly 175,000,000 ﷼–4,000/month, keeping car costs at 15% means a maximum of 26,250,000 ﷼–600/month total for loan + insurance + fuel + maintenance. With insurance at 7,500,000 ﷼/month and fuel at 5,000,000 ﷼/month, that leaves about 12,500,000 ﷼–350/month for the loan payment — which supports approximately a 600,000,000 ﷼–17,000 car at 6.5% APR over 48 months.
What happens if I can't make my car payment?
Contact your lender immediately — most have hardship programs. Options include: deferred payment (payment pushed to the end of the loan, though interest continues accruing), loan modification (term extension), or voluntary surrender (less credit damage than repossession). Repossession can occur as soon as one payment is missed in some states and remains on your credit report for 7 years.
💡 آیا میدانستید؟
- The first car loan was issued in 1916 by General Motors Acceptance Corporation (GMAC), helping make automobiles accessible to middle-class Americans for the first time.
- Americans currently owe over
.6 trillion in auto loan debt — the second largest category of consumer debt after mortgages.
- The average new car loan in the US now extends for about 70 months — nearly 6 years — up from 48 months in the 1990s.
آخرین بهروزرسانی: March 2026