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Car Financing Tips

If you are shopping for a new or used car, this free vehicle payment calculator will help you determine what vehicle you can afford. Of course, if you can comfortably pay with cash, that would be the best option. However, most of us don't have that luxury and must finance the large purchase. Here are some tips that may help during your vehicle purchasing process:

  • You do not have to use the lender that the dealer suggests, nor do you have to use the vehicle manufacturer's lending division. Many people believe that they have to finance through the dealership's recommended lenders, and your salesperson may even recommend going through their Financial Division. However, you may be able to find a better deal elsewhere. Ask your friends and shop around online to find the best car financing deal for your particular situation. If possible, it helps to have your financing set before you even walk into a dealership.
  • You do not have to finance an extended warranty. An extended warranty may provide extra coverage without spending cash up front; however, keep in mind that you will be paying interest on top of the cost of the warranty itself. Be sure to ask about the total cost of the extended warranty, interest charges, and any other fees that may be added on. Try to negotiate the price of the warranty to your benefit. Almost everything is negotiable, including the loan interest rate.
  • You do not need a down payment to drive out of the lot with a new vehicle. While this is true, keep in mind that this means a larger monthly payment and possibly more interest paid. Use the calculator below to see what the estimated difference may be.
  • Do not negotiate the monthly payment you want, negotiate the price of the car. There are many tricks that a salesperson can use to get to the monthly payment that you ultimately "want." However, it is prudent to get the best price on the vehicle itself, so that the total cost of ownership ends up being less.
  • Do not be afraid to say no. If something doesn't feel right, just walk out of the dealership. There are plenty of other places that would love your business.
  • Be prepared!!! I can't stress this enough. Evaluate your financial situation and determine how much you can comfortably afford. That premium package may seem nice now, but not if you are struggling with payments in a few months. Get your credit report and score and make sure everything is correct. Compare interest rates and loan terms from various lenders. Research the vehicles you are interested in, including features, options, and pricing. Understand what you are truly paying for when purchaing optional products, credit insurance, warranties, etc.
  • Use this calculator while you are shopping around. While going to various dealerships, you will be bombarded with numbers. Calculate your monthly payments for each vehicle and email yourself the results for record keeping. When you email yourself the results, you will get the full amortization schedule so you can see the total interest on your loan and determine the true total cost of the vehicle. Please keep in mind that I do not sell your information so feel free to email yourself as many results as you would like.
  • Read everything carefully before you sign it. You can always walk out of the dealership before any papers are signed.

Good luck on your vehicle purchase and thank you for visiting

Payment Calculator Instructions

This free calculator helps to estimate your monthly vehicle loan payments.

The loan amount to be financed, length of loan term, and interest rate all factor into the monthly car payment calculator.

Vehicle Sale Price = Agreed upon price of vehicle.
Down Payment = Amount of money to put towards vehicle at time of sale.
Trade-in Value = Price offered for your currently owned vehicle at time of sale.
Interest Rate = Loan interest rate offered by financing institution. This rate can vary greatly depending on personal circumstances and financial institution.
Loan Term = Period over which loan agreement is in force.

Please fill in the form and click Calculate.

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This calculator is intended solely for general informational and educational purposes and is provided as a rough estimate based on the information provided above by the user. You should not take action based on the information provided through this calculator alone. Please note that title, registration, and other fees and personal circumstances such as employment status and debt-to-credit ratio were not considered in the calculations. Personal circumstances may have a significant effect on interest rates an individual might qualify for. When available, we recommend that you use interest rate information provided to you by your dealer or lender.

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