Smart Buy Auto Sales
Open from 10:00 AM to 5:00 PM

Car Loan Calculator

Explore the ideal car that aligns perfectly with your budget.

You have the flexibility to adjust various payment terms, including interest rates, down payment, and payment duration. On the right side of the page, you'll find a financing scenario for a $30,000 car loan.

To tailor the payment plan to suit your budget, customize the following parameters:

  • Loan duration (in months)
  • Vehicle cost
  • Annual Percentage Rate (APR)
  • Down payment/deposit percentage
  • Credit score

If you're uncertain about your credit score, our score checker can swiftly retrieve your credit profile within minutes. It's free to use and won't count as a hard inquiry on your credit report.

-- / mo
Est. payment for 75 months at % APR
Credit Score
$-+
$-+

Instantly unlock your personalized monthly payment


Payments calculated using this tool are ESTIMATES ONLY and do not include applicable taxes, title, licensing and fees. ACTUAL PRICES AND PAYMENTS MAY BE DIFFERENT. Financing payment calculations are based on APR and term, and do not include manufacturer incentives and rebates. Available on approved credit and not all customers will qualify. This tool should be used as a guide, and all finance terms must be verified before a sale is complete.

Finance disclosures

The payment estimator is not an advertisement or offer for specific terms of credit and actual terms may vary. Payment amounts presented are for illustrative purposes only and may not be available. Not all models are available in all states. Actual vehicle price may vary by Dealer.

The Estimated Monthly Payment amount calculated is based on the variables entered, the price of the vehicle you entered, the term you select, the down payment you enter, the Annual Percentage Rate (APR) you select, and any net trade-in amount. The payment estimate displayed does not include taxes, title, license and/or registration fees. Payment amount is for illustrative purposes only. Actual prices may vary by Dealer. Payment amounts may be different due to various factors such as fees, specials, rebates, term, down payment, APR, net trade-in, and applicable tax rate. Actual APR is based on available finance programs and the creditworthiness of the customer. Not all customers will qualify for credit or for the lowest rate. Please contact an authorized dealer for actual rates, program details and actual terms.