Bad Credit Car Loan Calculator (High APR)
Estimate car payments with bad credit. Uses realistic subprime rates (14%+) to show true cost.
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
for 60 months
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Analysis: Buying a $25,000 Car
If you have a credit score under 600, expect rates between 12-18%. This calculator shows how expensive borrowing is—try to refinance later.
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Frequently Asked Questions
What is the monthly payment for a $25,000 car loan?
At a 14.5% interest rate over 60 months, the payment is approximately $588. This includes interest but excludes insurance and maintenance.
How much interest will I pay on a $25,000 loan?
Over 60 months at 14.5%, you will pay roughly $3750 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.