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Start with the vehicle price, subtract the down payment and trade-in value, then add any taxes or fees you plan to finance. Interest rate and loan length determine the monthly principal-and-interest payment.
Extending a loan term often lowers the monthly payment but increases total interest. Compare both monthly affordability and total borrowing cost before choosing a longer term.
Example: Financing $30,000 at 7% APR for 60 months costs about $594 per month, before separately paid taxes, registration, and insurance.
Illustrative calculations are estimates, not financial advice.