Car Payment Calculator


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New vehicle pricing includes all offers and incentives that everyone qualifies for. Tax, Title, Tags, and Service Fee not included in vehicle prices shown and must be paid by the purchaser. MSRP may not represent actual sale price. While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at or by visiting us at the dealership.

**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 48 month term, 5.9% interest and 20% downpayment.

Wondering about how things like interest rates, your credit score, and loan terms might affect your monthly car payment? Our new and used car payment calculator can help you plan for the expense of purchasing your next vehicle and understand the effects that different car loans will have on your ability to buy a car.

How to Calculate Car Payments

While our used and new car payment calculator can help you figure out your monthly payments, we can help you understand why different factors will affect your auto payments. Here’s a brief overview:

  • Interest Rate: The interest rate determines the amount of interest that will accrue on your loan. A higher interest rate will thus typically result in a higher monthly payment than a loan with the same term and a lower rate. The higher your credit score, the more likely you are to be able to get a lower interest rate.
  • Loan Term: The loan term is the length of your auto loan, and you’ll likely be able to lower your monthly payment with a longer-term loan. For instance, a loan with a term of 72 months will likely have al ower payment than a 36-month loan.
  • Down Payment: The down payment is the amount you pay up-front for the vehicle — a higher down payment will decrease the amount of money that you need to borrow, and can thus lower your monthly car payment.
  • Trade-In Value: Trading in your current vehicle can contribute to your down payment, and the more you’re able to put down, the better! Check out our online trade-in calculator to get started!

Apply for Financing After Calculating Your Car Payment

Got your loan payment estimates from our auto loan calculator? If so, maybe it’s time to apply for financing online with Don Johnson Motors! Contact us today with any questions.