How is a car loan payment calculated?

The standard amortisation formula is M = P[r(1+r)^n] / [(1+r)^n − 1], where P is the amount financed (vehicle price + sales tax − down payment − trade-in), r is the monthly interest rate (APR ÷ 12), and n is the number of monthly payments. The same fixed payment is made every month; early payments are mostly interest, later payments mostly principal.

What APR can I expect on a car loan in 2026?

In May 2026, average APRs in the US run about 7.0% for new cars with prime credit and 11–13% for used. UK and EU APRs average 6–9% via PCP/HP. Subprime borrowers can pay 15%+. Always shop at least three lenders — your credit score moves the rate by 3–6 percentage points.

Should I make a larger down payment?

Yes, almost always. A 20% down payment on a new car (10% on used) keeps you out of negative equity, lowers your monthly payment, and often unlocks a lower APR. It also reduces total interest paid because you finance less principal.

Is a 72-month or 84-month car loan a bad idea?

Long terms lower the monthly payment but you stay underwater longer (the car depreciates faster than you pay it off) and total interest balloons. A $30,000 loan at 8% costs about $5,200 in interest over 60 months versus $9,000 over 84 months. Stick to 60 months or less when possible.

Does this calculator include sales tax and fees?

Yes. Enter your local sales tax rate and the calculator adds it to the financed amount (most US states tax the vehicle price minus trade-in; some tax the full price). Documentation, registration and dealer fees are not modelled — add them manually to the vehicle price if you want the full out-the-door figure.

🚗 汽车贷款计算器

估算您的月供、总利息、销售税和完整摊销计划。适用于新车或二手车，支持美元、英镑或欧元。

车辆价格

货币

首付款

置换价值

销售税（%）

年利率 / APR (%)

贷款期限

⚠️ 仅供参考。 实际APR取决于信用评分、贷款方和车龄。各州/国家的销售税处理方式不同（有些对全价征税，有些对扣除置换价后的价格征税）。本内容不构成财务建议。

汽车贷款计算器的工作原理

您实际融资的金额是vehicle price plus sales tax, minus your down payment and trade-in。然后我们应用标准递减余额摊销公式，在您选择的期限内计算固定月供。每月对剩余余额收取利息，您还款的其余部分用于偿还本金——因此早期还款利息占比重，后期还款本金占比重。

什么是好的汽车贷款年利率？

截至2026年5月，Experian Q1数据显示美国平均优质信用利率约为 7.0% for new cars 和 11–13% for used。英国PCP/HP利率为6-9%，欧盟平均为5-7%。信用评分是最关键的因素——从普通提升到优质信用可使利率降低3-6个百分点，以30,000美元60个月贷款计算，可节省约3,000美元利息。

首付款与以旧换新

建议首付至少 20% down on a new car 或 10% down on a used car。这可保护您免受负资产风险（欠款超过车辆价值），因为汽车在前三年贬值最快。置换旧车与现金首付效果相同——但在去经销商之前，请先从CarMax / WeBuyAnyCar获取书面估价以作参考。

贷款期限权衡

较长期限降低月供但总成本更高。8% APR 的 $30,000 贷款约为 $5,200 in interest over 60 months($608/月)与 $9,000 over 84 months($449/月)。84 个月选项也让您更长时间处于资不抵债状态,因为折旧超过您的本金支付 — 如果您需要提前出售或全损车辆则不利。

降低汽车贷款成本的技巧

在拜访经销商之前先从信用合作社或银行获得预批 — 利用它进行谈判
分别比较价格和融资;经销商从两者中获利
申请前60-90天改善您的信用评分——将信用卡余额降至30%以下的利用率
选择您能舒适负担的最短期限
改为每两周还款一次而非每月——相当于每年多还一次
避免将附加项(延长保修、差额保险、漆面保护)计入贷款

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重要提示： 本工具提供估算值。实际利率和条款取决于您的信用状况、贷方标准、车辆和当地税。在签署融资协议之前,务必从至少三个贷方获得书面的确定报价。