汽車貸款計算器
計算含稅金、規費、折抵與頭款的車貸月付金，並排比較車貸方案
Vehicle & Loan Details
快速示例
Typical Auto Loan Rates
Calculation Results
Loan Summary
Financing Breakdown
Payment Schedule Preview
| Payment # | Payment | Principal | Interest | Balance |
|---|
計算過程
Payment Breakdown
如果……呢？
每一行都基於你目前的輸入重新計算，點擊一行即可套用該方案。
比較兩個方案
Enter vehicle and loan details to calculate
Fill in the vehicle price, APR and term above
Auto Loan Calculator FAQ
How is a car payment calculated?
The lender amortizes the amount you finance over the term using the standard installment formula. Each month you pay interest on the remaining balance plus a slice of principal, so the balance reaches zero exactly at the end of the term.
Should taxes and fees be included in the loan?
Rolling sales tax, title and registration into the loan is convenient but you pay interest on them for years. Uncheck the box to compare paying them upfront — the calculator shows the interest difference instantly.
How does a bigger down payment help?
Every dollar you put down reduces the amount financed, which lowers the monthly payment and the total interest. Use the What-if table to see how +$1,000 or +$2,500 down changes your payment.