Auto Loan Calculator
Calculate the financing for your desired vehicle. Monthly payment, interest and total costs. Online calculator with current 2026 market rates and clear.
Loan Amount
25.000,00 €
Monthly Payment
574,60 €
Total Cost
32.580,83 €
Interest Cost
2.580,83 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
Is a car loan or dealer financing better?
Compare the effective interest rates carefully. Dealer financing often includes hidden costs or requires waiving cash discounts. A bank car loan may offer better terms and more flexibility.
What term should I choose for a car loan?
The loan term should not exceed the planned period of vehicle ownership. Typical terms are 36-60 months. Shorter terms mean higher payments but less total interest.
What is the Auto Loan Calculator?
The car loan calculator computes the monthly instalment and total cost of vehicle financing. It compares instalment loans, balloon financing and leasing.
How does the Auto Loan Calculator work?
Enter the vehicle price, down payment, term and interest rate. The calculator determines the monthly instalment and total cost. For balloon financing a large final payment is included. Comparison with leasing is available.
Key Data and Facts
A car loan is often cheaper than dealer financing. Typical terms: 24-84 months. Assignment of the vehicle as collateral is common.
Step-by-Step Guide
How to calculate Ihre Autofinanzierung step by step: 1. Fahrzeugpreis festlegen: Neuwagen oder Gebrauchtwagen, inkl. Ausstattung und Ueberfuehrung. 2. Anzahlung bestimmen: Empfohlen mindestens 10-20 % des Fahrzeugpreises. Hoehere Anzahlung = niedrigere rate. 3. Finanzierungsart choose: Ratenkredit (gleichbleibende Raten), Ballonfinanzierung (niedrige Raten + hohe Schlussrate) oder Drei-Wege-Finanzierung. 4. Laufzeit und interest rate enter: Kfz-Kredite sind oft guenstiger als Konsumkredite (Fahrzeug als Sicherheit). 5. Monatsrate und Gesamtkosten calculate. 6. Mit Leasing compare: Leasing = nur Nutzung, Kredit = Eigentum nach Tilgung. Beispiel: Gebrauchtwagen 22.000 EUR, Anzahlung 4.000 EUR. Kreditbetrag: 18.000 EUR. Laufzeit 48 Monate, 4,9 % effektiver Jahreszins. Monatsrate: 18.000 x (1,004083^48 x 0,004083) / (1,004083^48 - 1) = 414,22 EUR. Gesamtzahlung: 414,22 x 48 = 19.882,56 EUR. Gesamtzinsen: 1.882,56 EUR. Fahrzeug gehoert Ihnen nach Tilgung.
Calculation Example
Gebrauchtwagen 22.000 EUR, Anzahlung 4.000 EUR. Kredit 18.000 EUR, 48 Monate, 4,9 % eff. interest. Monatsrate: 414,22 EUR. Gesamtzinsen: 1.882,56 EUR.
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