Car Loan Payment Calculator

You're in the Driver's Seat

Ready to roll? Credit Union of Southern California’s (CU SoCal) car loan monthly payment calculator is a great place to start your search for a new car!

Our online car loan calculator can help you determine how much you can spend and estimate your monthly payment.

Additionally, the car loan calculator with down payment option lets you see how different loan terms or down payments can impact your monthly payment. You can also view the complete amortization schedule by clicking the "View Report" button.

When you’re ready to buy, consider CU SoCal for your next auto loan. We offer quick pre-approvals, no application or funding fees, and we believe in lending on character, not credit score.

For more information please call us at 866.287.6225 for a no-obligation consultation.

Car Loan FAQs

What's a Good Interest Rate for a Car Loan?

Current car loan rates for new car purchases are hovering just above 4%. Rates can be higher, depending on the term (length) of the loan, your credit score.

How Does My Credit Affect My Interest Rate?

CU SoCal, we know you’re more than a credit score. While interest rates can vary based on market factors and each lender’s unique criteria, a borrower’s credit score plays a role in the interest offered a lender.

If your credit score is low, you are considered high-risk to lenders. As a result, you will likely be offered a loan at a higher interest rate as a form of “protection” to the lender in case you default on payments.
A high credit score informs lenders you have a good credit history, meaning you pay your debts on time, thus making you a low-risk applicant. As a reward, lenders will offer a lower interest rate on your loan.

If you think your credit may be affecting your ability to get a good rate on a car loan, check out these helpful articles: How To Improve Your Credit Score and How To Get An Auto Loan With Bad Credit.

What Is APR and how Is APR Calculated?

An auto loan’s interest rate is the cost you pay each year to borrow money expressed as a percentage. The interest rate does not include fees charged for the loan. The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.

Can You Negotiate APR on a Car?

Yes, just like the price of the vehicle, the interest rate is negotiable. According to, the first rate for the loan the dealer offers you may not be the lowest rate you qualify for. Be sure to compare the dealer’s interest rate to the competitive rates offered by CU SoCal.

Apply for a Car Loan Today!

We hope you found our automobile car loan calculator useful! CU SoCal’s friendly, professional loan specialists are ready to answer any questions you may have and assist you with your auto loan application.

Ready to apply? Schedule your no-obligation consultation or call us at 866.287.6225 today!

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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