Car Loan Calculator with Trade In
Lower your loan with a trade-in value.
Your figures stay on your computer — no server, no tracking, no registrationTry: Car price=28000, Down payment=2000, Trade-in value=6000, APR=5.9, Term=5 → $28,000, $2,000, $6,000, $20,000, $386, $3,144
How to use
Your trade-in reduces the amount you finance. The loan principal becomes price − down payment − trade-in value, which directly cuts the monthly payment.
Formula
Loan = price − down − trade-in, then the standard PMT formula.
FAQ
Does trade-in lower my payment?
Yes — every dollar of trade-in is a dollar you do not borrow.
What if trade-in exceeds price?
Then no loan is needed; the dealer owes you the difference.
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