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.

You could qualify for an interest-rate discount up to 0.20%.

Have a U.S. Bank Smartly® Checking account? If you enroll in U.S. Bank Smart Rewards® before you apply for an auto loan, you may qualify for a rate discount up to 0.20%.3 You must be eligible before applying. Eligibility may take up to five days after enrollment.


Not yet enrolled? Do it today.

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.

Auto refinancing

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

Lease buyout

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

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  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 $40,000 automobile loan on a 1-year-old vehicle over a 60-month term with a 111% LTV percentage, monthly payments would be $803.61 at an APR of 7.61%.

  3. Apply online or through a U.S. Bank branch for pre-approval of a loan to purchase a car or truck at one of our participating dealerships. The interest rate discount is not reflected in the rates provided on our website but will be reflected in the interest rate quoted if approved. To receive the interest rate discount, you must open a U.S. Bank Smartly Checking account, enroll in U.S. Bank Smart Rewards and be assigned a qualifying tier before applying for an auto loan. Tier assignment generally takes five business days after enrollment. Interest rate discounts are based on your Smart Rewards tier. A minimum of $25 is required to open a U.S. Bank Smartly Checking account. For a list of interest rate discounts and terms, see the Consumer Pricing Information disclosure.

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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.