Auto Loan Calculator

• Minimum: $5,000
• Maximum: Subject to lender approval and vehicle value
• Longer terms may require higher minimums:
  • 72 months: $10,000 minimum typical
  • 84 months: $20,000 minimum typical

• 36, 48, 60, 72, or 84 months.
• Terms over 72 months may have stricter vehicle age/mileage restrictions.

Lenders often have guidelines regarding the age and mileage of vehicles they will finance, especially for longer terms. Older vehicles or those with high mileage may be subject to:

• Shorter maximum loan terms.
• Higher interest rates.
• Stricter approval criteria or may not be eligible for all financing programs.

• Rates shown are for estimation only and not an offer of credit. Your actual rate may differ based on credit score, down payment, loan-to-value (LTV) ratio, vehicle characteristics (age, mileage, condition), and other factors. APRs populated by the credit score tier are estimates based on market averages and may vary.
• Loan-to-Value (LTV) ratios, determined by the lender based on the vehicle's value and the amount financed, will affect loan eligibility and terms. A higher LTV (less down payment relative to vehicle value) can result in higher rates or stricter terms.
• Vehicles with branded titles (e.g., salvage, rebuilt, lemon law buyback, flood damage) may have significant financing limitations, require higher down payments, incur higher rates, or may not be eligible for financing under all programs.
• Longer terms result in lower monthly payments but higher total interest paid.
• Calculator does not include all potential taxes, fees, insurance, or other costs beyond what is explicitly itemized.
• Pre-qualification or application required for actual rates.

[Principal × Rate × (1 + Rate)^Term] / [(1 + Rate)^Term - 1]

• Vehicle sales tax is typically calculated at 9.3% (WA Standard) but can be adjusted for Tribal, Out-of-State, or EV Exemption scenarios.
• Specific add-ons like Extended Warranty, Cilajet, Select 3, Clear Bra, and Key Replacement are taxed at 8.9%. GAP Insurance is not taxed.
• Trade-in tax savings apply only to the vehicle portion of the purchase.
• The estimated monthly payment typically includes principal and interest only and does not include auto insurance or other potential costs.