Find the Right Auto Loan For You



Car Loan Calculator

It is important to get pre-approved for loan financing and estimate the interest of the loan before you go to the dealer or to a credit union through our auto loan calculator. Use our auto loan calculator services below can assist you in estimating your payment amount financing!
Before you look for a loan offer, you should also estimate how much you can afford to pay each month. We offer a free loan calculator for you to use to explore financing terms.  There are many options for your loan term.  A loan term involves the loan’s monthly payments and interest rates for your new or used vehicle.  Calculate your estimated payment and see the loan term(s) offer with our services today.
When you use our auto loan calculator services, you can then go and shop for a new or used car at a purchase price and term(s) that fits within your budget. If you figure out your loan payment in advance, you can get a better idea of what your monthly loan payment will be after you purchase a new or used car from your local car dealer.  Use our auto loan calculator services below to calculate what your monthly car payment loan amount and term(s) may be.

Is There a Required Cash Down Payment to Get a Low Auto Loan APR Rate and Terms?

It has become more common in recent years for lenders to not require a cash down payment for you to obtain auto loans services and get an APR rate that fits your months payment budget. Being able to put a cash down payment towards your vehicle purchase may assist you to lower your APR and other terms, but it is no longer a requirement for most lenders.  We want to get you pre-approved for a low payment.

You may consider looking at the trade-in value of your old car to lower fees on your loans. You can use the trade-in value of a current vehicle as a down payment for a new vehicle. If you decide to trade in a car that is not paid off, you will need to make sure that your loan amount owed on trade, or the loan balance is lower than the value of the car. This can lower your total loan amount and adjust term(s).  You will also want to check terms information on your current loan for early pay off penalties.

Factory rebates from the dealer can also act as a down payment. No need to make a purchase decision today with a dealer. When you use our easy tools, you may get information within hours about your loan options and have an idea of each month’s payment and term(s).

Sales Tax

As you negotiate financing terms on each month’s payments, be sure to leave enough money to cover the sales tax fees and any additional fees/purchases, like a warranty or title transfer fees. This way your total “out the door” costs do not exceed the maximum amount of your pre-approved auto loan.

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The sales tax fees on vehicles is based on where you purchase the vehicle. Be sure to check your local sales tax fees rate to estimate your total loan amount. A sales tax is usually paid whenever a vehicle’s ownership changes to a new owner during a purchase. Sales tax fees may be due at the time of purchase, or the sales tax may be due at the time of registration. This is an amount owed on the trade of the vehicle. Sales Tax often applies to new and used cars. The tax is often not included in the vehicle purchase price, so be sure to budget accordingly.

Check to see if your state has a sales tax deduction or exemption for vehicle transfers between close family or if the car s given as a gift. If the car is going to be used for business, charity, medical, or moving expenses, you may qualify for a sales tax deduction.

Can I Get a Car With a 500 Credit Score?

A car dealer wants to sell you a car and get you an auto loan at the best monthly payment price. It takes a long time to build up your score and you need a car now at low monthly payments. AllCreditCarLoans is here to assist you! Although your credit score does factor into your loan amount and APR, there are affordable options out there for you to finance a car.  It is important to get pre-approved for a loan and estimate the interest of the loan before you go to the dealer or to a credit union.

The best place to start is with our free, no-obligation interest form for car financing terms which provides options based on your current situation. The best part is that our form only takes a few minutes to fill out and you will have information within a matter of hours on your car financing options.

We want to get you pre-approved for low monthly car payments & fees based on your financial situation and desired loan term.

Which Bank Is Best for Auto Loans?

If you go straight to a bank, dealership, or credit union and have bad credit, you may not get an approval offer.  It is important to a pre-approval offer for a loan and estimates the interest of the loan before you go to the dealer or to a credit union. By going through AllCreditCarLoans, our network of industry experts will extensively research options to get you approved for the best auto loan rates based on your financial situation.  We want you to be able to get a car and afford each month’s payment and not deal with disapproval from a dealership or credit union.

We’ve provided auto loan rates for first-time buyers, car payments options for college students and we are proud to have arranged military and veteran auto financing for service members and their spouses. We’ve even been able to offer foreign nationals and others who do not qualify for a social security number an auto loan with their ITIN number. Let us assist you too!

We want to assist you in getting pre-approved for a low monthly payment based on your financial needs.

What Is the Cheapest Auto Loan?

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Starting with our FREE pre-approval application, you can have information in a matter of hours what your options are for getting an auto loan. Gone are the days of sitting at the dealer for hours waiting for the car financing team to give you information, only to find you are not approved.

Get pre-approved before you go to the dealer so you know what car you can afford. Our team of experts makes sure that you are getting the best options for your personal auto loan monthly payment. We want to assist you in getting approved quickly and get the best price possible. And there is no cost to you to use our free approval form. Simply fill out a few form fields and we will send personal loan financing and monthly payment options.

We want to see you drive away from the dealership with the title in hand, as easily as possible.

Used Auto Loan Rates?

The best used auto loan rates and price(s) are just a click away. Our team of experts will research the best used auto loan APR rates, given your financial situation. All you have to do is fill out our short survey and we will let you know the best used auto loan rates and information within hours.

We want to help you drive off with the title in hand, as easily as possible.

New VS. Used Vehicle Loan Rates

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Auto loan rates for used cars are typically higher than a new car. However, we will research all options if you are looking to buy a used car and get you the best used auto loan rates and loan payment terms.

We find that most of our car buyers are looking for used cars, and our network of dealer(s) and professionals are ready to help find you the lowest used vehicle loan APR. Once you are approved for a loan, then you can head down to the dealer and shop for your perfect car knowing that you have the best used vehicle loan rates.  We want to help you get pre approved for a low monthly payment based on your financial needs.

Auto Loan Calculator

Do you wonder how much your average monthly payment will be including interest for the car you have been looking at purchasing? Look no further than our online car payment calculator that will show you an idea of each month’s payment. Use the AllCreditCarLoans loan calculator before going to a credit union to help determine how much you can afford to spend when financing or refinancing a car.

You can run multiple scenarios varying the “down payment” and “a number of months” in order to get the vehicle loan payment where you would like it to be. We want to help make your monthly payments as manageable as possible. You do not have to search around for an old used car that you can make a full purchase on. We are here to help you find loan terms that are manageable for you monthly and get pre-approved.

What Is the Lowest Interest Rate for a Vehicle Loan?

There are many factors that go into determining the interest rate and final loan amount on cars. We specialize in helping people with bad credit get the lowest auto loan rate possible. Our rates start at 2.9% APR. If you have bad credit, apply for an auto loan with our free online form. This process takes five minutes or less and we will send you information for auto loan interest rates with a matter of hours. You can then know the total amount you will be paying for your auto loan. With today’s online banking options, you may have the ability to pay your personal loan online through your lender with a routing number.

Auto Refinance Rates

Refinancing can help you to get a lower interest rate on your personal auto loan. Refinancing your personal auto loan may make sense if your credit has increased than when you first applied for your auto loan. You will typically want to wait at least 60-90 days before applying for a refinance loan.  Paying off credit cards and other loans on time will help to increase your credit.

Refinance Tips

You will want to make sure that you know information such as current monthly auto loan payment, the remaining balance, the amount of time left to pay off your loan, and the interest rate you are paying. If you have made all your auto loan payments and credit cards payments on time for at least one year, your credit has likely improved and there is a good chance you can benefit from a refinance.

You will first need to determine if the refinance makes sense and we are here to help you with that. By is filling out our easy online application which takes five minutes or less, you will get options for auto loans and you can compare to see if you qualify for a loan with a lower interest rate.

What is a Good Interest Rate?

At AllCreditCarLoans, we specialize in bad credit auto loans. Our APR start at 2.99%. We can help you get the lowest possible monthly car payment, regardless of your credit score. Our partner dealerships and lenders want to help you get auto loans at an estimated monthly payment you can afford. If past financial hardships have caused your credit score to decrease, no problem. Bad credit auto loans is our area of expertise.

You need a car now and don’t have time to raise your credit score, let us help get you a loan. We understand that financial hardships happen to good people and that shouldn’t keep you from receiving auto loans. With AllCreditCarLoans, you get access to our partner network of dealerships and lenders and also have access to our 24/7 customer support team. Getting auto loans has never been easier!

On our website, you can see your estimated monthly payment for a car loan and the interest rate for those auto loans. Simply put in your information and your average credit score and we will send you auto loans options within hours. Getting your car loan is easy- let us show you how!


Auto lenders typically offer loans up to a certain amount, which can vary depending on the lender. A lender may offer a $30,000 loan, while another may offer $50,000. The larger the loan amount, the more likely you will be approved for a loan.
When you are in the market for a new or used car, one of the most important things to consider is how you will finance your purchase. A variety of lenders offer auto loans, and each one may charge a different interest rate. Credit scores are one of the most significant factors that determines what your interest rate will be.

If you have an excellent credit history, you can expect to pay a lower interest rate than someone with poor credit. Lenders also offer different terms on their loans, so shopping around is essential to find the best deal. Some lenders will charge a maximum loan amount, which is the most they will lend to you.

It’s important to remember that the interest rate and maximum loan amount are two factors in financing a car.

The minimum loan may vary depending on the lender for borrowers with bad credit. Borrowers should compare the interest rates and terms of different loans to find the best option. It’s important to remember that taking out a small loan with high-interest rates can be costly in the long run.
Lease buyout loans are a way for business owners to purchase a leased asset before the end of the lease agreement. The loan is calculated by dividing the total cost of the leased asset by the number of months left in the lease agreement. This will give you the monthly payment needed to purchase the leased asset.