USA Auto Loan Calculator 2025

Calculate car payments with trade-in, taxes, warranties, and financing options

🇺🇸 USA Sales Tax ✅ Trade-in Value 📊 2025 Rates

🚗 Vehicle Information

Vehicle Price ($):

Trade-in Value ($):

Cash Down Payment ($):

Sales Tax Rate (%):

State:

💰 Financing Details

Annual Interest Rate (%):

Loan Term:

Credit Score:

🛡️ Additional Options

Extended Warranty ($):

GAP Insurance ($):

Documentation Fees ($):

Auto Loan Results

Monthly Payment $0

Total Cost

Total Interest

Amount Financed

Cost Breakdown

Vehicle Price: $0

Trade-in Credit: -$0

Sales Tax: $0

Extended Warranty: $0

GAP Insurance: $0

Documentation Fees: $0

Cash Down Payment: -$0

Amount Financed: $0

🇺🇸 About USA Auto Loan Calculations

This comprehensive auto loan calculator includes all USA-specific costs including state sales tax, trade-in values, extended warranties, GAP insurance, and documentation fees for accurate monthly payment calculations.

🚗 Auto Financing Tips 2025:

Credit Score Impact: 740+ gets best rates, 580+ qualifies for most loans
Loan Term: Shorter terms save money but increase monthly payments
Down Payment: 20% down reduces monthly payment and interest
Trade-in vs Private Sale: Private sale typically yields 15-25% more
GAP Insurance: Recommended for loans with little down payment
Extended Warranty: Often overpriced, consider manufacturer warranty first

📊 USA Auto Loan Rates (2025):

New Car (Excellent Credit): 4.5% - 6.0%

Used Car (Good Credit): 6.0% - 9.0%

Average Sales Tax: 6.0% - 10.0%

Average Doc Fees: $300 - $800

*Rates vary by lender, credit score, and loan term. Updated September 2025.