Estimate your monthly car payment and the total cost of financing after your down payment and trade-in are applied.
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A bigger down payment or trade-in lowers the amount you finance, which reduces both the monthly payment and total interest. Shopping around for a lower annual percentage rate (APR) can save thousands over a typical four-to-six year loan.
Suppose you buy a $32,000 car with a $4,000 down payment, no trade-in, financed at a 7.5% annual rate over 60 months.
Result: Your monthly payment is about $561.06, you pay $5,663.75 in interest, and the total cost including your down payment is $37,663.75.
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