For instance, if you take out a loan for $15,000 with 10 percent interest and a three year term, you will pay $484 a month, and the total cost of the loan will be $17,424. If you pay off the loan over five years, your monthly payments drop to $319, but the amount you ultimately pay rises to $19,140. Be sure to find an auto loan calculator that tells you the total amount you will pay as well as your monthly payment. Getting a car is an important decision. Go into it with the best information you can, and use an auto loan calculator to decide how much you can really spend.

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