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Auto loan calculator

Budget better by planning ahead

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount

How much would you like to borrow?

This is the total loan amount.
Enter in a dollar amount
Enter in a dollar amount

How much can I borrow?

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
The amount of money loaned.
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to, the loan type or amount for which you may qualify.

Tips for securing a first-rate auto loan

Buying a new car at a dealership is exciting, but it can also be overwhelming. Once you’ve found a vehicle you like, price negotiations begin at a tiny desk on the showroom floor and don’t actually end until you’ve exited the office of the F&I (finance and insurance) manager. To take some stress out of your new auto purchase, plan ahead by knowing how much you’re willing to pay and what loan terms you’d like. And once the buying process is complete, you can enjoy the thrill of owning your new vehicle knowing you got it on your terms.

  • Know your credit score. Good credit may give you negotiating power on your loan rate.
  • Use the auto loan calculator above to get a ballpark estimate for a loan amount and term length that work within your budget.
  • Look for auto loans that don’t include prepayment penalties or fees for early payoff.
  • Consider applying for a WSECU auto loan before purchasing your new vehicle from a dealer or private party — you’ll have less to worry about as you negotiate sales price.
  • Getting your loan through the dealership? Know their lenders before purchase or go to a dealership that works directly with WSECU.

The value of preapproved auto loans

Getting an auto loan preapproval can make purchasing a vehicle easier. You’ll know your rate, term length and all other qualifying conditions before you even step on a dealer’s lot. And because you’ve already secured your loan, the only point to discuss with the seller is price.

Simply take your preapproval to the dealership of your choice and your loan will be processed on-site.

You may also be eligible to purchase a vehicle from a private seller with your preapproval. Just complete your loan paperwork in your nearest branch and you’ll be on your way.

Once you’re ready to make a purchase, you can think more about the car you want and less about how you’ll pay for it.

Hit the road in a new ride.

New car or used car, we have the auto loan options to put you behind the wheel.

Apply now


Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.