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The monthly payment looks attractive on paper, but you'll be paying interest for seven years on something that loses value every year.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most financial guidance suggests capping terms at 60 months for new cars and 48 months for used. Beyond that, you're likely paying for the car long after the new-car feeling has worn off—and potentially long after expensive repairs start showing up.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"horizontalrule","version":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The Formula Behind the Numbers","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"If you're curious how the math works, here's the standard amortization formula the calculator uses:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Monthly Payment = P × [r(1+r)^n] / [(1+r)^n - 1]","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Where:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"P","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" = Principal (vehicle price minus down payment)","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"r","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" = Monthly interest rate (annual rate divided by 12)","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":2},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"n","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" = Total number of monthly payments","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":3}],"direction":null,"format":"","indent":0,"type":"list","version":1,"textFormat":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You don't need to know this to use the calculator—it handles everything. But if you want to double-check the numbers or build your own spreadsheet, that's the math.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"horizontalrule","version":1},{"children":[{"detail":0,"format":2,"mode":"normal","style":"","text":"This calculator provides estimates for planning and comparison purposes. Your actual loan terms will depend on the lender, your complete credit profile, the specific vehicle, and other factors. 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35:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much car can I afford on my salary?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A common guideline is to keep your car payment at or below 10% of your gross monthly income. If you earn $50,000 per year, that's about $417 per month. Remember to budget for insurance, fuel, and maintenance on top of your loan payment.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is a good interest rate for a car loan in 2025?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For borrowers with good to excellent credit, rates around 5-7% on new cars and 7-9% on used cars are competitive in the current market. If you're offered a rate significantly higher than this, shop around or consider waiting until you can improve your credit.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Is it better to get a shorter or longer loan term?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Shorter terms cost less overall but require higher monthly payments. Longer terms are more affordable monthly but cost more in total interest. If you can comfortably afford the payment, a shorter term (48-60 months) usually makes more financial sense.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much should I put down on a car?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Aim for at least 10-20% down. A larger down payment reduces your loan amount, lowers your monthly payment, and helps you avoid being underwater on the loan. For used cars especially, a solid down payment provides a cushion against depreciation.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does my credit score affect my car payment?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Significantly. On a $20,000 loan over 48 months, someone with excellent credit (5.2% rate) pays about $461/month and $2,128 in total interest. Someone with poor credit (15% rate) pays $557/month and $6,736 in interest—over $4,600 more for the same car.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L37","$L38","$L39","$L3a","$L3b"]}]]}]
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37:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I finance through the dealer or my bank?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Get pre-approved by your bank or credit union first, then see what the dealer offers. Dealers sometimes have promotional rates (especially on new cars), but they can also mark up the rate for profit. Having a pre-approval gives you leverage and a point of comparison.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
38:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I pay off my car loan early without penalty?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most auto loans don't have prepayment penalties, but check your loan agreement to be sure. Paying extra toward principal when you can reduces your total interest and helps you own the car outright sooner.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Why are used car loan rates higher than new car rates?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Lenders consider used cars riskier because their value is less predictable and they may require more repairs. The rate difference is typically 1-3 percentage points. A used car with a higher rate can still be a smart financial choice if the purchase price is significantly lower.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's included in my monthly car payment?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your loan payment covers principal and interest only. It doesn't include insurance, fuel, maintenance, or registration. Some dealers offer to roll taxes and fees into the loan, which increases your financed amount.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How do I calculate the total cost of financing a car?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Add your down payment to the total of all monthly payments. Or simply look at the \"Total Amount Paid\" result from this calculator, then add your down payment. The difference between this total and the vehicle price is your cost of financing.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
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