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What's the monthly payment on a [CAR]?

Published: June 2, 2020

The following table shows monthly payments for a [CAR] by credit score and loan term:

Auto loan refinance calculator

What's a fair monthly payment on a [CAR]? We found that someone with an average credit score (e.g. [FICO]), a [TERM] months loan and a downpayment of [DOWNPAYMENT] on the car would be paying [MONTHLY] per month at [APR] APR. This can obviously vary by a large degree depending both on the credit of the individual, exact specifications and mileage of the [CAR]. Input your own terms below in our refinance calculator to estimate a fair payment:

A fair payment for your [CAR] would be

$999.9 per month

How many miles are on the car?

Is this the right trim?


Is this the right engine?


Is this the right drive train?


What's your downpayment?

What's your credit score?


What's your loan term?


**Based on a loan of $99,999, FICO 600 and 60 months term

What other [CAR] owners are paying

We performed a nationwide study and looked at thousands of [CAR] loans. On average, [CAR] owners who purchased their vehicle last year had a FICO of [FICO]. For reference, the nationwide average score is 670.

The variance from the average American car owner is likely driven by the price point of the car at $[PRICE]. We found that the average APR on a [CAR] loan is [APR]% over [TERM] months with a monthly payment of $[MONTHLY].

If the same [CAR] owner refinanced her auto loan, she could save $[SAVINGS] thanks to improving her credit score by as little as 35 points. For more context, take a look at our study Best way to lower your rate? Make your payments!


How we calculate your monthly [CAR] payments

Our auto loan refinance calculator estimates the monthly payments of your [CAR] the exact same way as any auto loan company would do. We wrote an article that explains all the nuances around auto loans and refinancing and you can learn more about our auto loan refinance calculator here

If you are not sure what trim, engine or drivetrain your [CAR] has, take a look at the vehicle brochure.



Monthly payments for similar [MAKE] [MODEL]


Resources and auto loan refinance

Resources that helped us develop this calculator include but are not limited to CUDLExperian, Equifax, TransUnion, FICO, CreditKarma and the Consumer Financial Protection Board.

Feel free to contact us for questions or feedback. We are a fully digital platform that lets car owners like you refinance their cars from the comfort of their own home. No need to set a foot in a bank or credit union. You can lower your rate or get cash in as little as 20 seconds.


Curious how much you can save today? Follow three simple steps to refinance your [CAR] loan, get approved in seconds and save thousands in minutes.



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