Free Auto Loan Calculator with Dealer Add-Ons

See exactly how dealer add-ons impact your monthly payment for cars, trucks, motorcycles & more

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Free Auto Payment Calculator

Enter your vehicle details and add any dealer options to see the real impact on your monthly payment.

Vehicle Information

Vehicle Price *

Down Payment

Trade-In Value

Loan Terms

Interest Rate (%) *

Loan Term *

Dealer Add-Ons

💡 Tip: Click the name field to customize add-on names, and enter your own prices. Toggle "ON" to include them in your payment calculation.

$0.00

Monthly Payment

Cost Breakdown

Vehicle Price$25,000.00

$0.00

Loan Amount

$0.00

Total Interest

$0.00

Total Cost

$0.00

Add-Ons Total

Amortization Schedule

Plan Your Budget Learn About Auto Loans

Don't Get Surprised by Hidden Car Costs

Wondering "what will my car payment be with dealer add-ons?" Our comprehensive auto loan calculator shows you the real cost before you sign. From extended warranties to paint protection, see exactly how each dealer option affects your monthly payment and total loan cost.

Smart Car Buying Protection

Calculate monthly payments with all dealer add-ons included
See the real impact of extended warranties and protection plans
Compare loan terms and interest rates with add-on costs

Complete Financial Analysis

Include trade-in value and down payment calculations
Get a complete amortization schedule with total interest
Make informed decisions about dealer options

💡 Dealers often present add-ons like gap insurance, extended warranties, paint protection, and maintenance packages during the finance process. Use this calculator beforehand to understand exactly how these options will affect your monthly budget and total cost of ownership.