Pick your credit score range and the loan rate starts at the average new-car APR for that tier. Type the price, your down payment, and your trade-in, and see the monthly payment, the amount financed, and the total interest, with your state's tax and fees built in.
Type your own numbers and see the same car priced as cash, as a loan, and as a lease, with the taxes and state fees for Arizona. Nothing you type leaves this page.
| You pay | You own at the end | Real cost | |
|---|---|---|---|
| Lease | ... | Nothing; you hand it back | ... |
| Finance | ... | Equity of ... | ... |
| Cash | ... | A car worth about ... | ... |
An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are the average new-car APR for each credit tier (used-car APR for a used car) from Experian's State of the Automotive Finance Market, second quarter 2026, VantageScore 4.0. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.
The amount you borrow is the price plus sales tax, title, registration, and the dealership's fee, minus your cash down, your trade-in equity, and any rebates. If you still owe more on your trade than it is worth, the difference is added to the loan.
The loan rate in the calculator starts at the average for the tier you pick. These are averages across lenders, not an offer; a rate you are quoted replaces them.
| Credit tier | Score | New car APR | Used car APR |
|---|---|---|---|
| Super prime | 781 and up | 4.41% | 6.29% |
| Prime | 661 to 780 | 6.15% | 8.81% |
| Near prime | 601 to 660 | 9.71% | 13.93% |
| Subprime | 501 to 600 | 13.52% | 19.10% |
| Deep subprime | 300 to 500 | 16.11% | 21.62% |
Borrowing $40,000 at 6.15% APR, the average for prime credit:
| Term | Monthly payment | Total interest |
|---|---|---|
| 36 months | $1,220 | $3,906 |
| 48 months | $942 | $5,223 |
| 60 months | $776 | $6,566 |
| 72 months | $666 | $7,934 |
| 84 months | $587 | $9,327 |
Averages for the second quarter of 2026 were about 4.41% for super prime (781 and up), 6.15% for prime (661 to 780), 9.71% for near prime (601 to 660), 13.52% for subprime (501 to 600), and 16.11% for deep subprime (300 to 500) on a new car, per Experian. Your rate depends on the lender, the car, the term, and how much you put down.
Checking your own credit does not. When lenders pull your credit for an auto loan, credit scoring models count several auto loan inquiries within a short window as one, so you can compare offers without being penalized for each one (Consumer Financial Protection Bureau).
It lowers the payment but raises the total interest, and the loan can stay above the car's value for longer, which matters if you trade early. The term table above shows how much the interest grows with each longer term.
Enough that the loan is not larger than the car is worth. A bigger down payment lowers the payment and the interest, and it protects you if you sell or trade the car early.