home / auto loan
// what financing adds to the sticker price
Your car costs more than the sticker says.
A 72-month loan at 7% quietly adds thousands to the price of the car. See the real number before you sign.
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⚡ What if you paid extra?
save $0Where every dollar paid has gone — principal vs interest
| Year | Principal | Interest | Cum. Interest | Balance |
|---|
Frequently asked questions
Why do longer auto loans cost so much more?
An 84-month loan has a smaller payment but the balance — and its interest — lingers for two extra years versus 60 months. Total interest can nearly double.
Should I finance or pay cash for a car?
Compare the total interest here against what the cash could earn elsewhere. This tool gives the cost side of that decision precisely.
Does a bigger down payment reduce total interest?
Yes, linearly — every dollar of down payment is a dollar that never accrues interest. Reduce the loan amount above to see the effect.
Is 0% financing really free?
The interest is free, but 0% offers often replace cash rebates. Compare the rebate against the total interest of a conventional loan here.
📖 Related guide: How lenders calculate your payment