Kalkulator kredytu samochodowego
The detailed guide below is currently available in English.
What gets financed on a car deal
The amount you actually borrow is usually larger than the price on the window sticker. Starting from the auto price, the calculator subtracts your cash down payment, any trade-in credit, and manufacturer cash incentives, then adds sales tax and title, registration, and dealer fees. The result is the amount financed — the figure your monthly payment is based on.
Most states tax the difference between the price and your trade-in allowance rather than the full price, which is how this calculator applies sales tax.
Ways to lower the payment
- A bigger down payment reduces the amount financed and the interest paid over the life of the loan.
- Shorter terms raise the monthly payment but cut total interest substantially — compare the "Total Interest" line across terms.
- Negotiating the auto price lowers both the payment and the sales tax in most states.
Częste pytania
How is sales tax handled?
The calculator charges your tax rate on the price minus the trade-in value, then rolls the tax into the amount financed. A few states tax the full price even with a trade-in — add the difference to the fees field in that case.
Where do cash incentives go?
Manufacturer rebates and dealer cash usually reduce the amount you finance. This calculator applies them after tax, which matches how most states treat new-vehicle rebates.
What loan term should I choose?
Terms of 72 or 84 months lower the payment but often leave you owing more than the car is worth for years. Compare a few terms here and weigh the payment against the extra interest in the summary.