Car Financing Comparison Tool
Compare two loan options for the same car price (math-only). Confirm your lender’s true APR and fees.
Option A
Option B
Loan amount
- Principal (price - down - trade)
- $32,900.00
Option A
- Monthly payment
- $666.94
- Total interest
- $7,116.16
- Total paid
- $40,016.16
Option B
- Monthly payment
- $480.46
- Total interest
- $7,458.95
- Total paid
- $40,358.95
Quick takeaway
- Cheaper total cost
- Option A
- Lower monthly payment
- Option B
Longer terms often lower monthly payments but can increase total interest.