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Auto Loan Calculator with Trade-In

Calculate car payment deducting your trade-in value. Includes tax savings logic.

Vehicle Details

$
%
$

Est. $300-$600

$

Trade-In (Optional)

$
$

Enter 0 if paid off

Most states allow this. Uncheck if your state doesn't.

Financing

%

Estimated Monthly Payment

$495

for 60 months

Vehicle Price$35,000
Sales Tax$1,625
Title & Fees$450
Net Trade-In-$10,000
Total Financed$25,075
Total Interest$4,645
Total Cost$41,720
Trade-in saved you $650 in taxes

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Analysis: Buying a $35,000 Car

Trading in a car? This tool subtracts your trade-in value from the price AND calculates the tax savings (in applicable states).

Frequently Asked Questions

What is the monthly payment for a $35,000 car loan?

At a 6.9% interest rate over 60 months, the payment is approximately $691. This includes interest but excludes insurance and maintenance.

How much interest will I pay on a $35,000 loan?

Over 60 months at 6.9%, you will pay roughly $5250 in total interest. Shortening the term to 48 months could save you significantly.

Does this include sales tax?

Yes, our calculator includes an estimated Sales Tax field (default 6.5%) and Title Fees to give you a realistic 'Out the Door' payment.