Car payment calculator

Use our financing payment calculator to estimate your monthly payment for a new or used vehicle you buy at a dealership.1

Calculate monthly auto payments

Enter a few details in the fields below, and we’ll show you examples of different loan terms, monthly payments and annual percentage rates (APR). Auto financing has a 12-month minimum term and $5,000 minimum amount. It’s available on vehicles up to 9 model years old.

Take the next step.

Shop for cars or apply for pre-approval so you know what you can spend at a participating dealership.

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Find the right auto financing for you.

Finance new or used vehicles

You can shop with confidence when you start with an auto financing pre-approval.

Learn about pre-approval

Auto refinancing

You could lower your monthly payment or pay off your loan sooner while keeping the vehicle you love.

Explore auto refinancing

Lease buyout

If you currently lease your vehicle, a lease buyout loan lets you purchase it at the end of your lease term.

Understand lease buyout loans

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Disclosures

  1. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect actual U.S. Bank product terms. The information does not constitute an application for credit and cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service.

  2. Loan payment and annual percentage rate (APR) will vary based on the term, loan amount, vehicle age, loan-to-value (LTV) percentage of 111% to 115.99%, credit history and applicable fees. Loan payment example: for a $35,000 automobile loan on a 1-year-old vehicle over a 60-month term with a 111% LTV percentage, monthly payments would be $690.73 at an APR of 6.86%.

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Offers are subject to credit qualifications. Rates are subject to change. Some additional restrictions may apply. Installment loans are offered through U.S. Bank National Association.