$25,000 payment examples
| APR | 48 months | 60 months | 72 months | 84 months |
|---|---|---|---|---|
| 4.9% APR | $575/mo $2,581 interest | $471/mo $3,238 interest | $401/mo $3,905 interest | $352/mo $4,583 interest |
| 6.9% APR | $597/mo $3,680 interest | $494/mo $4,631 interest | $425/mo $5,602 interest | $376/mo $6,592 interest |
| 8.9% APR | $621/mo $4,805 interest | $518/mo $6,065 interest | $449/mo $7,357 interest | $401/mo $8,681 interest |
Examples are not loan offers. They assume no down payment and exclude sales tax, title, registration, dealer fees and add-ons.
Try your exact numbers
How loan term changes cost
A longer term spreads the principal over more payments and usually lowers the monthly amount, but interest has more time to accrue.
What else belongs in the budget?
- Sales tax, title, registration and dealer fees.
- Negative equity from a trade-in, if any.
- Insurance, fuel or charging, maintenance and depreciation.
Common questions
Is $25,000 always the amount financed?
No. Taxes and fees can raise it, while a down payment and positive trade equity can reduce it.
Does a longer loan make the car cheaper?
It can reduce the monthly payment but usually increases total interest when APR and principal stay the same.