Auto Loan Payment Calculator

Whether you are looking to upgrade your current vehicle or add another car or truck to your family’s fleet, it is important to consider the monthly cost of your choice.

The HRCCU auto loan calculator can help estimate your monthly auto loan payment based on several factors, including the amount of the principal loan, the monthly interest rate, and the term of the loan. Making sure to keep your payment within budget is an important component of financial stability, which is why our car payment calculator is so helpful.

With this easy tool, you can determine if a car loan amount is within your budget or not. To get started, you will need to know the following:

Principal Loan Amount
Interest Rate
Length of Loan (in months)

Calculator

Auto Loan Calculator

Car Price?: Down Payment Amount?: Loan Amount?:

Enter a "0" (zero) for one unknown value above.

Number of Months? (#): Annual Interest Rate?: Payment Method?:

Payment Amount: Down Payment Percentage: Total Interest: Total Principal & Interest:

Original Size

Factors that Influence Your Monthly Auto Loan Payment

Especially when a budget is tight, it is important to understand what factors can influence your monthly auto loan payment and by how much. Using a car finance calculator helps you to see how changes in particular loan factors can affect the amount you will pay for your monthly auto loan because you can easily change these amounts to see their impact on the calculation.

Consider changing factors such as the principal amount, interest rate, and length of the loan individually within the calculator above to see the impact each has on the final loan amount. This can help determine what changes you need to make in either your auto purchase amount or loan terms to ensure the monthly auto loan payment falls within your budgetary range.

Apply for an Auto Loan Today!

Low-rate loans and flexible terms will put you behind the wheel of a new or used car. Start the pre-approval process today and lock in the best rate for your loan.

For a limited time, we are offering 90-Day No Pay Auto Loans. You read that right! No payments for 90 days on new or used vehicles.

Apply Today

Terms	Vehicle Models 2022-2026	Vehicle Models 2019-2021	Vehicle Models 2018 & Older
24 Months	N/A	5.24% APR	7.75% APR
36 Months	3.99% APR	5.24% APR	7.75% APR
48 Months	3.99% APR	5.49% APR	8.00% APR
60 Months	3.99% APR	5.74% APR	N/A
72 Months	4.24% APR	6.74% APR	N/A
84 Months	5.24% APR	N/A	N/A

APR = Annual Percentage Rate. Offers listed herein are for eligible HRCCU members for new/used vehicle and motorcycle loans effective 06/02/23. Rates listed are for $3,001 minimum amount financed and include a .25% APR discount for having automatic payments. Member must credit qualify. Rates listed are for credit scores of 740+. Other rates available. A credit report fee of $5.00 may be charged. Terms and conditions may apply. Offers/terms listed above are subject to change without notice. HRCCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $150 per car or truck loan. All other collateralized loans will incur a fee of $250 per loan. 84 month term is for new vehicles only. 90-Day No Pay Loan Special is for new or used vehicles only. Promotion starts April 24, 2020 and will run until further notice. No payment required for the first 90 days with all approved loans at the member’s request. Interest will accumulate from date of loan booking. Normal discounts can apply. All other loan guidelines apply.

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