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Monthly payment calculator for a car

Related questions
What is the formula for a monthly car payment? Multiply the length of the loan in years by 12. You want to calculate monthly payments, not annual payments, so you’ll need the total number of months throughout the life of the loan. For example, if the loan is for four years, then the number of months is 4 * 12, or 48.
How much should my monthly car payment be? As a rule of thumb, a new car payment should be no more than 15% of your monthly income and a used car or lease payment should be no more than 10% of your monthly income. Your total monthly car expenses should not exceed 20% of your monthly take-home income.
How can I lower my monthly car payment? Refinancing your auto loan allows you to secure a lower loan interest rate, duration, or monthly payment. Especially if your credit score is higher than when you initially took out the loan, refinancing an auto loan is one way that you can save money on interest and lower your car payment each month.
How much will my car loan cost? Loan terms of 12 to 60 months are available on both new and used cars, including private-party purchases. You can expect an interest rate as low as 4.94% for new cars. USAA used car loan rates start at 4.79%. If you want a 72-month car loan, USAA requires you to borrow at least $15,000.
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