36-month car loan payment
A 36-month car loan spreads the cost over 3 years — a lower monthly payment than a shorter term, but more total interest. The calculator below is preset to a 36-month term; adjust the price, APR and down payment, and the table shows the monthly payment across vehicle prices and rates at this term.
Your numbers
Monthly payment
$1,009
Amount financed
$32,450
Total interest
$3,888
Total cost (with down)
$41,338
| Price | 5% APR | 7% APR | 9% APR |
|---|---|---|---|
| $20,000 | $599 | $618 | $636 |
| $30,000 | $899 | $926 | $954 |
| $40,000 | $1,199 | $1,235 | $1,272 |
| $50,000 | $1,499 | $1,544 | $1,590 |
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See refinance rates? Questions fréquentes
Is sales tax included in the car payment?
Yes. This calculator adds sales tax (on the price minus trade-in, as most US states apply it) to the amount financed, then computes the monthly payment on that total.
How does a trade-in affect the payment?
Your trade-in value reduces both the amount you finance and, in most states, the taxable amount — so it lowers the payment and the sales tax.
What term should I choose?
Shorter terms cost more per month but far less in total interest and reduce the risk of negative equity. Compare the total interest across terms, not just the monthly payment.
CostTrek provides general information, not financial advice. Results are estimates based on the figures you enter; your actual rate, taxes and insurance will vary.