$45,000 Car Loan at 4.0%

What's the monthly payment on a $45,000 car with a 4 percent loan?
Purchase Price
$
Down Payment
$
Interest Rate
%
Loan Term
Monthly payment = $813
Total yearly payments = $9,754
Payments by Interest Rate
Interest Rate Monthly Payment
4.00% $813
4.25% $817
4.50% $821
4.75% $825
4.90% $827
4.95% $828
4.99% $829
Payments by Amount Down
Down Monthly Payment
$0 $1,016
$2,000 $971
$5,000 $903
$8,000 $835
$10,000 $790
$15,000 $677
Payments by Loan Length
Length Payment
24 months $1,563
36 months $1,063
48 months $813
60 months $663
72 months $563
84 months $492
How to Get a Good Rate on Your Car Loan
When you buy a car, you actually have three separate things you need to negotiate with the dealer.
  1. The price of the car
  2. The price of the trade-in
  3. The loan
To confuse customers, dealers will often try to wrap this all together into one monthly payment. Don't fall for it. First negotiate the car, then the trade-in, and finally the loan.
When you're ready to buy a car or truck, go to a couple of banks first. Get pre-qualified for a loan. If the dealer can give you a better rate, that's great. If not, go with the bank loan.
Gas Taxes by U.S. State
Note: Taxes in addition to the $0.184 federal tax.
State Tax per Gallon
Pennsylvania$0.576
Washington$0.494
California$0.473
Illinois$0.391
Ohio$0.385
Florida$0.375
New Jersey$0.371
Maryland$0.367
North Carolina$0.365
West Virginia$0.357
Rhode Island$0.350
Oregon$0.340
Idaho$0.330
Montana$0.328
Iowa$0.315
Indiana$0.310
Wisconsin$0.309
Nebraska$0.306
Vermont$0.305
Maine$0.300
South Dakota$0.300
Utah$0.300
Minnesota$0.285
Georgia$0.275
Michigan$0.263
Alabama$0.260
Tennessee$0.260
New York$0.258
Connecticut$0.250
Arkansas$0.248
Kentucky$0.246
Kansas$0.240
Massachusetts$0.240
Nevada$0.240
Wyoming$0.240
New Hampshire$0.238
Delaware$0.230
North Dakota$0.230
Colorado$0.220
South Carolina$0.220
Louisiana$0.200
Oklahoma$0.200
Texas$0.200
Mississippi$0.184
Arizona$0.180
Missouri$0.170
New Mexico$0.170
Virginia$0.162
Hawaii$0.160
Alaska$0.080