Estimate car payments from vehicle price, down payment, trade-in value, APR and term.
payment = (price − down − trade-in) financed at r/month over n months
$30,000 car, $3,000 down, $2,000 trade-in → $25,000 financed at 7% over 60 months ≈ $495 per month.
Dealer financing often rolls taxes, fees and add-ons into the financed amount, which raises the real figure above this estimate. Get the out-the-door price in writing and re-run the numbers.
Longer terms (72–84 months) shrink payments but commonly leave you owing more than the car is worth during the first years — negative equity that matters if the car is totaled or sold.
20% down is a common target for new cars, 10% for used, enough to offset first-year depreciation.
Yes — it sets your interest-rate benchmark and gives dealers something to beat.
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