◆ FREE · INSTANT · NO SIGNUP
Auto loan
calculator.
Real monthly payment math. Full amortization. Updates as you type — no submit button to wait on.
// LOAN INPUTS
$
$
$
Most states tax (price − trade-in). Florida, California, New York, Illinois.
◆ MONTHLY PAYMENT
$0
$0.00 / month
Loan principal
$0
Sales tax
$0
Total interest paid
$0
Total of all payments
$0
// HOW TO USE THIS
Three ways to lower the monthly.
01
Lower your APR.
Walk in pre-approved by your bank or credit union. Eliminates the dealer's finance reserve markup. Typical savings: 0.5–1.5% APR.
02
Shorten the term.
Going from 72 months to 60 months drops total interest meaningfully. Counter-intuitively, the higher monthly payment is usually less than the saved interest if you can afford it. Run the numbers above with both.
03
Drop the price.
The negotiated OTD price matters more than rate or term. Score your deal first — bad price = bad payment regardless of how good your APR is.
Math says the payment's too high?
Negotiate the price.
Motrix runs the dealer side for you. $0 today, $399 only when your deal closes.
Start a deal — $0 until you sign →