Vehicle Finance
Estimate a monthly vehicle payment.
Explore how price, down payment, interest rate, and term can change an illustrative vehicle payment. Your results are estimates, not lender offers.
Your estimate
Compare two scenarios
Save your current estimate as Scenario A or B to see the tradeoffs side by side.
Look beyond the monthly number
Longer terms
Often lower each month but can mean more interest overall.
Rate vs APR
This calculator uses a simple annual interest rate compounded monthly. APR may include other borrowing costs.
Lease end costs
Lease illustrations can involve residual value, mileage limits, return charges, and other end-of-term costs not reflected in the periodic payment.
Finance Calculator
Calculator questions
No. It uses the information you enter to create an illustration. A lender or finance provider determines actual eligibility, rates, charges, payment schedules, and contract terms.
No. The calculator runs in your browser and doesn't involve a credit check.
No. This calculator uses a simple annual interest rate. APR may also include certain borrowing costs and follows market-specific disclosure rules.
Only if you add them under “Add a trade-in, taxes and fees”. They're then included in the amount financed.
You repay the same amount over more months, so each payment is smaller — but interest is charged for longer, so the total is usually higher.
It reduces the amount you borrow, which lowers both the monthly payment and the total interest.
Your trade-in value reduces the amount financed, but anything still owed on it is added back. If you owe more than it's worth, the difference increases what you borrow.
Yes. Enter the vehicle's price — the calculation is the same. Providers may offer different rates for used vehicles.
Quotes use the provider's actual rate, fees, payment timing and terms, which this illustration can't know.
Not here — leases depend on residual value and contract terms. See lease options on Compare Vehicle Finance.
No. Lease illustrations don't include excess-mileage, wear or other end-of-term charges.
Yes. Calculate a payment, save it as Scenario A, change the inputs, recalculate and save as Scenario B.
No. DriverXtra isn't a lender. Providers make every decision.
No. Your inputs stay in your browser and aren't sent to anyone. Saved scenarios clear when you leave the page.