Understand your car loan better and save money by paying it off faster!
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You can calculate your monthly car payment using an auto loan calculator or by hand. To calculate manually:
For example, for a $30,000 loan with $3,150 total interest over 60 months: ($30,000 + $3,150) ÷ 60 = $552.50 monthly payment
Shorter car loans typically offer:
Longer car loans usually provide:
Paying off a car loan early can be beneficial:
Before increasing your car loan payments, consider:
No. Paying off a car loan early doesn’t directly affect insurance rates. You may have more flexibility in choosing coverage options once you own the vehicle outright.
To use an auto loan payoff calculator:
Shortening your payoff period can be worth it if:
Your feedback fuels our passion to create better tools. Leave a review today!
Join the discussion and see how others are using the tool to save on their car loans.
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To determine your car loan payoff amount:
The 20/3/8 rule is a guideline for car purchases:
Making an extra $100 monthly payment on your car loan can:
Use an our auto loan payoff calculator to see the exact loan payoff amount.
The payoff amount is typically higher than the current balance because it includes:
To pay off a 6-year car loan in 3 years:
Potential drawbacks include:
Making two extra car payments annually can:
Use an auto loan calculator to see the specific impact on your loan.
Extra payments typically go towards the principal balance, but it’s essential to: