Car Loan Calculator with Down Payment
See how a down payment shapes the loan.
Your figures stay on your computer — no server, no tracking, no registrationTry: Car price=26000, Down payment=6000, APR=6.2, Term=5 → $26,000, $6,000, $20,000, $389, $3,311, $29,311
How to use
A down payment is the cash you pay upfront. It shrinks the financed amount, so the monthly payment and total interest both fall. This page focuses on that lever.
Formula
Loan = price − down, then PMT.
FAQ
How much down is typical?
10–20% of the price is common for a new car.
No down payment — bad?
You finance the full price and may owe more than the car is worth early on.
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