Lower Your Car Payment up to $105/Month Best Auto Refinance Options - 2025

Auto Loan Calculator

Powerful Auto Loan Calculator with extra payments, trade-in, taxes, and other options to quickly calculate the monthly costs of an auto loan.

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Today's Auto Refinance Rates

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Auto Loan Calculator
Loan Amount:	$28,000.00
Total Monthly Payment:	$530.00 Lower Your Monthly Payment
Total # Of Payments:	60
Start Date:	Nov, 2025
Payoff Date:	Oct, 2030
Down Payment:	$25,000.00
Trade In Value:	$0.00
Sales Tax:	$0.00
Other Fee:	$300.00
Total Interest Paid:	$3,799.97
Total of All Costs:	$57,099.97

Why pay $100+ more every month when you could refinance in minutes?

	Get a lower interest rate
	Reduce your monthly payment
	Refinance your vehicle today and save.

Check Today's Auto Refinance Rate!

Payment Date	Payment #	Interest	Principal	Total Payment	Balance
Auto Loan Amortization Schedule
Nov, 2025	1	$119.58	$410.42	$530.00	$27,589.58
Dec, 2025	2	$117.83	$412.17	$530.00	$27,177.41
Jan, 2026	3	$116.07	$413.93	$530.00	$26,763.49
Feb, 2026	4	$114.30	$415.70	$530.00	$26,347.79
Mar, 2026	5	$112.53	$417.47	$530.00	$25,930.32
Apr, 2026	6	$110.74	$419.26	$530.00	$25,511.06
May, 2026	7	$108.95	$421.05	$530.00	$25,090.01
Jun, 2026	8	$107.16	$422.84	$530.00	$24,667.17
Jul, 2026	9	$105.35	$424.65	$530.00	$24,242.52
Aug, 2026	10	$103.54	$426.46	$530.00	$23,816.06
Sep, 2026	11	$101.71	$428.29	$530.00	$23,387.77
Oct, 2026	12	$99.89	$430.11	$530.00	$22,957.66
Nov, 2026	13	$98.05	$431.95	$530.00	$22,525.71
Dec, 2026	14	$96.20	$433.80	$530.00	$22,091.91
Jan, 2027	15	$94.35	$435.65	$530.00	$21,656.26
Feb, 2027	16	$92.49	$437.51	$530.00	$21,218.75
Mar, 2027	17	$90.62	$439.38	$530.00	$20,779.37
Apr, 2027	18	$88.75	$441.25	$530.00	$20,338.12
May, 2027	19	$86.86	$443.14	$530.00	$19,894.98
Jun, 2027	20	$84.97	$445.03	$530.00	$19,449.95
Jul, 2027	21	$83.07	$446.93	$530.00	$19,003.02
Aug, 2027	22	$81.16	$448.84	$530.00	$18,554.18
Sep, 2027	23	$79.24	$450.76	$530.00	$18,103.42
Oct, 2027	24	$77.32	$452.68	$530.00	$17,650.74
Nov, 2027	25	$75.38	$454.62	$530.00	$17,196.12
Dec, 2027	26	$73.44	$456.56	$530.00	$16,739.56
Jan, 2028	27	$71.49	$458.51	$530.00	$16,281.05
Feb, 2028	28	$69.53	$460.47	$530.00	$15,820.59
Mar, 2028	29	$67.57	$462.43	$530.00	$15,358.16
Apr, 2028	30	$65.59	$464.41	$530.00	$14,893.75
May, 2028	31	$63.61	$466.39	$530.00	$14,427.36
Jun, 2028	32	$61.62	$468.38	$530.00	$13,958.97
Jul, 2028	33	$59.62	$470.38	$530.00	$13,488.59
Aug, 2028	34	$57.61	$472.39	$530.00	$13,016.20
Sep, 2028	35	$55.59	$474.41	$530.00	$12,541.79
Oct, 2028	36	$53.56	$476.44	$530.00	$12,065.35
Nov, 2028	37	$51.53	$478.47	$530.00	$11,586.88
Dec, 2028	38	$49.49	$480.51	$530.00	$11,106.37
Jan, 2029	39	$47.43	$482.57	$530.00	$10,623.80
Feb, 2029	40	$45.37	$484.63	$530.00	$10,139.18
Mar, 2029	41	$43.30	$486.70	$530.00	$9,652.48
Apr, 2029	42	$41.22	$488.78	$530.00	$9,163.70
May, 2029	43	$39.14	$490.86	$530.00	$8,672.84
Jun, 2029	44	$37.04	$492.96	$530.00	$8,179.88
Jul, 2029	45	$34.93	$495.06	$530.00	$7,684.82
Aug, 2029	46	$32.82	$497.18	$530.00	$7,187.64
Sep, 2029	47	$30.70	$499.30	$530.00	$6,688.34
Oct, 2029	48	$28.56	$501.43	$530.00	$6,186.90
Nov, 2029	49	$26.42	$503.58	$530.00	$5,683.33
Dec, 2029	50	$24.27	$505.73	$530.00	$5,177.60
Jan, 2030	51	$22.11	$507.89	$530.00	$4,669.71
Feb, 2030	52	$19.94	$510.06	$530.00	$4,159.66
Mar, 2030	53	$17.77	$512.23	$530.00	$3,647.42
Apr, 2030	54	$15.58	$514.42	$530.00	$3,133.00
May, 2030	55	$13.38	$516.62	$530.00	$2,616.38
Jun, 2030	56	$11.17	$518.83	$530.00	$2,097.55
Jul, 2030	57	$8.96	$521.04	$530.00	$1,576.51
Aug, 2030	58	$6.73	$523.27	$530.00	$1,053.25
Sep, 2030	59	$4.50	$525.50	$530.00	$527.75
Oct, 2030	60	$2.25	$527.75	$530.00	$0.00

Payment Frequency	Monthly	Bi-weekly
Compare Monthly vs. Bi-weekly
Payments / Year	12	26
Each Payment	$530.00	$265.00
Total Interest	$3,799.97	$3,427.68
Total Payment	$56,799.97	$56,427.68
Total Savings	$0	$372.29
Payoff Date	Oct, 2030	May, 2030

What is an auto loan?

An auto loan is loan used to finance the purchase of a car, usually using the car as collateral. Instead of buying a car with all cash, you borrow a specific amount of money from the lender and promise to repay the loan over time with interest. If you fail to repay the auto loan, the lender has the right to legally repossess your car.

How does auto loans work?

There a few key terms you need to understand when dealing with auto loans, principal, interest rate, loan terms, monthly payments, and total loan costs.

Principal: The amount you borrow to fund the car purchase after your down payment or trade-in or both.
Interest Rate: The borrowing costs, which is the interest that you repay the lender.
Loan Term: The number of months or years that you will pay off the loan, ranging from 36 months to 72 months.
Monthly Payment: The amount you pay each month that consist principal and interest.
Total Loan Cost: The total costs of your auto loan, including interest payments and other fees.

How to use the auto loan calculator?

You can do the math yourself or use our free auto loan calculator to calculate the numbers quickly. The car loan calculator has many built-in functions that you may found useful.

Vehicle Price: The listing price of the car you wanted to buy.
Down Payment: This is the money from your own pocket as a down payment for the car.
Loan Amount: The amount that you will borrow after deducting down payment and any car that you trade-in.
Loan Terms: The terms of your auto loan which we explained above.
Interest Rate: The cost of borrowing money.
Payment Frequency: Monthly payment is the most common for auto loan, but you may accelerate your loan payments with biweekly principal payment.
Trade In Value: If you have an old car that you trade-in, this is where you enter the value.
Sales Tax: The sales tax for the car in your state.
Other Fees: Enter any other fees that you may have to pay
First Payment Date: The first date of your auto monthly payment
Amortization Schedule: An auto loan amortization schedule will be generated, and you have the option to view it on a monthly or annual basis.
Include all fees into loan: You can choose to include all fees into your auto loan or pay seperately
Extra Payments: Advanced option that allows you to pay off your auto loan faster such one time extra payment, monthly, quarterly, or yearly extra payments.

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