Vehicle Loan Calculators — Auto, Boat, Motorcycle, RV & ATV

Q: What is a good interest rate for a car loan in 2026?

As of 2026, good auto loan rates are 4.5%–6.5% for new cars with excellent credit (750+). Used car rates are typically 1–3% higher. Credit unions often offer the best rates — check local CUs alongside national banks.

Q: How long should my auto loan be?

Most financial experts recommend 48–60 month terms. Loans of 72–84 months lower your payment but dramatically increase total interest and the risk of being 'upside down' (owing more than the car is worth).

Q: Is it better to lease or buy a car?

It depends on your situation. Leasing offers lower monthly payments and a new car every 2–3 years, but you never build equity. Buying costs more monthly but you own the car after payoff. Use our Lease vs. Buy Calculator to compare your specific numbers.

Q: How much should I put down on a car?

Aim for at least 20% on a new car and 10% on a used car. Larger down payments reduce your monthly payment, total interest, and the risk of negative equity. Some lenders require a minimum 10% down.

Q: Do these calculators work for all US states?

Yes — the calculators let you input your state's sales tax rate. Five states (Alaska, Delaware, Montana, New Hampshire, Oregon) have no sales tax. Other states range from 2.9% (Colorado) to 7.25% (California).

Free calculators for US vehicle buyers — calculate monthly payments for car loans, auto leases, boat financing, motorcycle loans, RV loans, and ATV loans. Compare lease vs. buy, see amortization schedules, and find the true cost of vehicle ownership.

All Vehicle Loan Calculators

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Auto Loan Calculator

Calculate your monthly car payment including trade-in value, down payment, sales tax, and extended warranty. Compare loan terms and find the true cost of financing a new or used vehicle.

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Car Lease Calculator

Calculate your monthly lease payment using MSRP, residual value, money factor, and down payment. Understand depreciation cost, capitalized cost reduction, and total lease expense.

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Lease vs. Buy Car Calculator

Compare the total cost of leasing vs buying a car side by side. See monthly payments, total cost of ownership, depreciation impact, and which option saves you more money.

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Boat Loan Calculator

Calculate your monthly boat loan payment including sales tax, trade-in, and down payment. See total interest cost and an amortization schedule for marine financing.

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Motorcycle Loan Calculator

Calculate your monthly motorcycle payment including trade-in, down payment, and sales tax. Find the best loan term for new or used bike financing.

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RV Loan Calculator

Calculate your monthly payment for an RV, camper, or motorhome loan. Compare loan terms up to 20 years and see total interest cost with amortization schedule.

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ATV Loan Calculator

Calculate your monthly ATV or UTV loan payment. Enter price, down payment, interest rate, and loan term to find your payment and total financing cost.

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💡 Why Use Our Vehicle Loan Calculators?

Americans owe more than $1.63 trillion in auto loans across 107 million active accounts. The average new car transaction price in the US is $48,528, and the average monthly new-car payment exceeds $730. Understanding the true cost of vehicle financing — including interest, taxes, depreciation, and insurance — is essential before signing any contract.

Our calculators use the standard amortizing loan payment formula (PMT) used by every US bank and credit union. You can model different down payments, trade-in values, sales tax rates, and loan terms to see exactly how each variable affects your monthly payment and total cost.

Start with the Auto Loan Calculator for car purchases, the Car Lease Calculator for leasing, or the Lease vs. Buy Calculator to compare both options side by side.