Finance

Calculateur Crédit Auto

Estimez la mensualité : prix, apport, reprise, taux et durée.

Calculer

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Updates as you type

Résultat

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La formule

Amount financed = price − down payment − trade-in. Monthly payment uses the standard amortizing loan formula with monthly rate r = APR/12 and n months — the same engine family as our personal loan calculator.

P = Price − Down − Trade-in · M = P × [r(1+r)^n] / [(1+r)^n − 1]

Exemple détaillé

  1. Price $30,000 − $3,000 down − $2,000 trade-in = $25,000 financed
  2. APR 6%, term 60 months → r = 0.005
  3. Payment ≈ $483.32/mo

Résultat: ≈ $483/mo · interest and totals in the result grid

How auto loan payments are calculated

Dealers quote payment from the financed amount after cash down and trade equity — not from sticker price alone.

Principal after down and trade-in

We subtract cash down and trade-in allowance from the vehicle price. Taxes, fees, gap insurance, and negative equity rolled into the loan are not auto-added — increase price or reduce down if those apply.

Amortization

Equal monthly payments cover interest first; the rest reduces principal. Longer terms lower the payment but raise lifetime interest — a common auto-finance trade-off.

APR vs dealer “rate”

Compare APR and total cost, not only the monthly payment. Add-ons and extended warranties can inflate the amount financed.

Faits intéressants

Payment vs total cost

A lower monthly payment from a longer term usually means more interest overall.

Trade-in equity

Trade-in value reduces what you finance; if you owe more than the trade is worth, negative equity may be rolled in (not auto-modeled here).

Same math as personal loans

Fixed-rate amortizing auto loans use the same payment formula as other installment loans.

Cash vs finance

Compare total interest and opportunity cost of cash — not only the advertised monthly payment.

Prepayment

Many auto loans allow extra principal payments; check for prepayment penalties.

Questions fréquentes

Enter vehicle price, down payment, trade-in, APR, and term in months. We finance (price − down − trade-in) with the standard amortization formula.

Not automatically. Add tax/fees into the price field or reduce your down payment if they are financed.

Same payment math — this page adds auto-specific labels for price, down payment, and trade-in.

Shorter terms cost more per month and less interest. Longer terms do the opposite. Match the term to how long you will keep the car.

Références

  1. Shopping for a loan — U.S. Federal Trade Commission Consumer tips for comparing installment credit.
  2. What is APR? — Consumer Financial Protection Bureau Note rate vs APR.