Vehicle Loan Calculator
Whether you're financing a sedan, a pickup truck, or an SUV, this vehicle loan calculator works the same way: enter the price, your down payment, any trade-in, and your quoted APR to see the full breakdown of your monthly payment and financing costs before you commit at the dealership or with a credit union.
Enter your numbers and select Calculate to see your estimated payment.
How this calculation works
Uses the same amount-financed and amortization method as the car loan calculator above, adjusted for longer or shorter terms common with trucks and SUVs.
Example calculation
A $28,000 vehicle with $2,000 down, a $1,500 trade-in, 6% tax, and $400 in fees finances to about $26,490. At 7.2% over 72 months, that's roughly $454 per month.
Frequently asked questions
Does loan term length change my total cost?
Yes. Longer terms lower your monthly payment but increase total interest paid, since you're carrying the balance for more months. Try a few term lengths to compare.
Is this the same as a credit union calculator like CEFCU's?
It uses the same underlying math lenders and credit unions use, but this tool is independent and not affiliated with CEFCU or any specific credit union.
Can I compare a new vs. used vehicle loan here?
Yes — just run the numbers twice with each vehicle's price and rate, or use the Loan Comparison Calculator to see both side by side.
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This calculator provides estimates for informational purposes only and is not a loan offer or financial advice. See our Disclaimer.