{"id":29704,"date":"2026-04-19T00:01:21","date_gmt":"2026-04-19T00:01:21","guid":{"rendered":"https:\/\/fundspaid2u.com\/?p=29704"},"modified":"2026-04-19T00:01:22","modified_gmt":"2026-04-19T00:01:22","slug":"how-auto-loans-and-car-payments-work","status":"publish","type":"post","link":"https:\/\/fundspaid2u.com\/?p=29704","title":{"rendered":"How Auto Loans and Car Payments Work"},"content":{"rendered":"<div>\n<p>Thinking about buying a new (or new-to-you) car? Before you take out a car loan from the first dealer who gives you the thumbs-up, you need to make sure you know exactly what you\u2019re signing up for\u2014and how much it\u2019ll really cost you.<\/p>\n<p>Right now, the average car payment is $734 for a new car and $525 for a used car.<sup>1<\/sup> But you could end up paying even more per month, depending on the interest rate, your credit score and the type of auto loan you take out.<\/p>\n<p>Buckle up! We\u2019re breaking down how car loans and car payments work\u2014so you can know <em>all<\/em> your options before you get behind the wheel of your new ride.<\/p>\n<p>What Is a Car Loan?<br \/>What Is a Car Note?<br \/>What Is the Average Car Payment?<br \/>How Car Payments Are Calculated<br \/>How Car Loans Work<br \/>The Real Cost of a Car Payment<br \/>How to Lower Your Car Payment<br \/>Budget for the Car You Want<br \/>Car Payment FAQ<\/p>\n<p><h2>What Is a Car Loan?<\/h2>\n<\/p>\n<p><strong>An auto loan (also called a car loan) is a type of loan that lets you borrow money to purchase a vehicle. <\/strong>Most people take out a car loan because they don\u2019t have the money to pay for a car up front in cash.<\/p>\n<p>But it\u2019s important to know that when you take out an auto loan to purchase a vehicle, you technically don\u2019t own the car. Your <em>lender<\/em> owns the car, and they\u2019re letting you drive it with the promise that you\u2019ll pay them back (plus interest) in fixed installments over a certain amount of time.<\/p>\n<p><h2>What Is a Car Note?<\/h2>\n<\/p>\n<p><strong>A car note is the monthly payment you make on your car loan.<\/strong> Your car note (aka car payment) includes the principal (the original loan amount you borrowed), as well as interest and fees. The higher your loan amount or interest rate, the higher your monthly payment will be.<\/p>\n<p><h2>What Is the Average Car Payment?<\/h2>\n<\/p>\n<p><strong>The average car payment is a whopping $734 for a new car and $525 for a used car.<\/strong><sup>\u00a0<\/sup>And the average interest rate is 6.84% for a new car loan and 12.01% for a used car loan.<sup>2<\/sup><\/p>\n<p>Keep in mind, these are the <em>averages<\/em>. You could end up paying more per month, depending on the type of auto loan you take out.<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><strong>Average<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>New Car<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>Used Car<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Monthly Payment<\/strong><\/p>\n<\/td>\n<td>\n<p>$734<\/p>\n<\/td>\n<td>\n<p>$525<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Loan Amount<\/strong><\/p>\n<\/td>\n<td>\n<p>$40,927<\/p>\n<\/td>\n<td>\n<p>$26,248<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Interest Rate<\/strong><\/p>\n<\/td>\n<td>\n<p>6.84%<\/p>\n<\/td>\n<td>\n<p>12.01%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Loan Term<\/strong><\/p>\n<\/td>\n<td>\n<p>68.48 months<\/p>\n<\/td>\n<td>\n<p>67.41 months<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Credit Score<\/strong><\/p>\n<\/td>\n<td>\n<p>753<\/p>\n<\/td>\n<td>\n<p>689<sup>3<\/sup><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><h2>How Car Payments Are Calculated<\/h2>\n<\/p>\n<p>There are several factors that determine your monthly car payment, including:<\/p>\n<ul>\n<li><strong>Loan Amount:<\/strong> the amount of money you borrow to buy the car (also called the principal)<\/li>\n<li><strong>Interest Rate:<\/strong> the percentage of the loan you\u2019re charged for borrowing money (The APR\u2014or annual percentage rate\u2014includes the interest rate and other fees.)<\/li>\n<li><strong>Loan Term:<\/strong> the number of months it will take you to pay off the loan<\/li>\n<li><strong>Down Payment: <\/strong>the amount of money you pay up front for the car<\/li>\n<li><strong>Trade-In Value:<\/strong> the amount of money a dealership will give you for your car if you trade it in for another car<\/li>\n<\/ul>\n<p><strong>Car payments are calculated by dividing the loan amount (plus interest and fees) by the loan term.<\/strong> So, for example, if the total loan amount is $26,700 and the loan term is 60 months, the monthly payment would be around $445 ($26,700 \u00f7 60 = 445).<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<p><h2>How Car Loans Work<\/h2>\n<\/p>\n<p>The exact details of how you get a car loan depend on the kind of financing you go with: direct or indirect. Either way, you have to apply and be approved by a lender for an auto loan. This could be through a bank, a car dealership or an online lender.<\/p>\n<p>If you\u2019re preapproved for a car loan, you can go to a dealership to pick out a car and negotiate the price. Then you sign some paperwork, confirming the loan and your promise to pay it back in monthly installments (aka your car payment).<\/p>\n<p>Otherwise, you can go to a dealership, pick out a car, and then work with their in-house finance department to get an auto loan. But heads up: This route usually ends with you buying a car you can\u2019t afford because you fall in love with the car <em>before<\/em> you know the monthly payment.<\/p>\n<p>And remember: Even though the dealer hands you the keys, you don\u2019t actually own the car until you pay off the auto loan in full and get the car title from the lender. Until then, you\u2019re at the mercy of your lender and your monthly car payment. And if you fall behind on your payments, you risk going into default and having your car repossessed (which is about as fun as it sounds).<\/p>\n<h3>A Quick Note About Car Leasing<\/h3>\n<p>The dealership may try to get you to\u00a0lease a car if you\u2019re short on funds, but it\u2019s\u00a0<em>not<\/em>\u00a0the same as an auto loan. The monthly payments may be lower, but that\u2019s because you only get to drive the car for a certain period of time. It\u2019s basically a glorified rental car that you don\u2019t get to keep! Leasing is the <em>most expensive<\/em> way to drive a car\u2014and you should steer clear of it.<\/p>\n<p><h2>The Real Cost of a Car Payment<\/h2>\n<\/p>\n<p>Okay, so now let\u2019s talk about how auto loans play out in real life.<\/p>\n<p>Imagine you purchase a brand-new Honda from your local dealership for $33,000. You have no money to use as a down payment, but you\u2019re able to get about $8,000 for your current vehicle. You get preapproved for a $25,000 auto loan at a 6.84% interest rate (the average for a new car). If you agree to pay back that car loan monthly for the next 60 months, that leaves you with a car payment of $493 a month.<\/p>\n<p>That\u2019s already a<em>\u00a0huge\u00a0<\/em>chunk coming out of your paycheck every month. But the real kicker? You\u2019ll end up actually paying $29,589 for the car loan when all\u2019s said and done. That\u2019s more than $4,500 you\u2019ll have to pay just in interest! You don\u2019t have to be Mark Cuban to know that\u2019s not a good deal.<\/p>\n<p>Plus,\u00a0what the dealer\u00a0<em>won\u2019t<\/em>\u00a0tell you is that all cars\u00a0depreciate\u00a0(or go down in value). In fact, your new car will lose 60% of its value within the first five years!<sup>4<\/sup>\u00a0So for our Honda example, you\u2019ll have paid almost $30,000 for a car that\u2019ll only be worth around $13,000. Oof.<\/p>\n<p>And if your car loses value faster than you make your payments, you\u2019ll end up with an\u00a0upside-down car loan\u00a0on your hands\u2014and boy, is that a mess to get out of!<\/p>\n<p>The good news? There\u00a0<em>is<\/em>\u00a0a better way to get a car.<\/p>\n<\/p><\/div>\n<div>\n<p><h2>How to Lower Your Car Payment<\/h2>\n<\/p>\n<p>Car payments add a huge weight to your life, both financially <em>and<\/em> mentally. Here are some things you can do to get that number down:<\/p>\n<h3>Buy used over new.<\/h3>\n<p>Not only are used cars significantly cheaper, they also don\u2019t depreciate as fast as brand-new cars do. And don\u2019t believe the myth that new cars are automatically safer or less expensive to repair than used cars\u2014that\u2019s not always the case! Even if you choose to get a car that\u2019s a couple of years old versus brand spankin\u2019 new, you\u2019ll save <em>so much more<\/em> money than if you finance the latest model.<\/p>\n<h3>Sell your current car privately instead of trading it in.<\/h3>\n<p>When you trade in your car at the dealership, you\u2019re usually getting the short end of the stick. After all, their goal is to give you as little as possible for your car so they can turn around and sell it to the next guy for more. That said, you\u2019ll have better luck selling your current car through a private sale where you can set your own asking price and negotiate a better deal.<\/p>\n<h3>Make a larger down payment.<\/h3>\n<p>Yes, it\u2019s tempting to just take out an auto loan for the full amount if you\u2019re approved for it. But the more money you borrow, the more you\u2019ll have to pay each month. So do what you can to bring a larger down payment to the table. Even if it means pausing your car shopping while you save up, every extra dollar means less money you\u2019ll have to pay in interest and fees. Trust us, it adds up!<\/p>\n<h3>Pay in cash.<\/h3>\n<p>Speaking of large down payments . . . the best way to lower your car payment is to pay for your car in full and up front\u2014<em>without<\/em>\u00a0a car loan. Why? Because it lowers your payment to zero and saves you thousands of dollars in interest and fees. Plus, you (not the bank) own your car free and clear!<\/p>\n<p>We know, we know.\u00a0Paying for a car in cash\u00a0may seem way out of your reach right now. But what if you bought a cheaper car\u2014nothing fancy\u2014just to get around for 10 months or so? That way, you can have something to drive while you save for a better one.<\/p>\n<p>Here\u2019s how it could work: If you take that $493 car payment you would\u2019ve had and put it into your savings instead, after 10 months, you\u2019ll have saved $4,930! Add that to the $1,500\u20132,000 you can get for your beater car, and you\u2019ll have over $6,000 to\u00a0buy a used car\u00a0<em>with cash<\/em>. If you consistently save, you\u2019ll be able to keep upgrading your ride\u2014without owing the bank a single dime in interest!<\/p>\n<p>And when you buy a car with cash, you can put your money to better use than a car payment, like saving for retirement.<\/p>\n<h2>Pay Off Your Car ASAP<\/h2>\n<p>If you already have a car payment, you need to pay that thing off as quick as possible. Not only is it a drain on your money (money that, as we mentioned, could be put to better use), but it\u2019s also a drain on your mind and spirit. Just imagine how freeing it would be to not have that payment on your shoulders each month!<\/p>\n<p>But paying off that car loan is going to require some work on your part. You\u2019ll have to throw all kinds of extra money at it. We\u2019re talking side hustles, selling stuff, reviewing your insurance, etc.\u2014whatever you need to do to raise your income. It\u2019s going to be tough, but you can do it!<\/p>\n<p><h2>Budget for the Car You Want<\/h2>\n<\/p>\n<p>Getting a new (or new-to-you) ride? It all starts with a budget.<\/p>\n<p>A budget helps you make sure you\u2019re getting a car you can actually afford. Because the<em> last<\/em> thing you want to do is chain yourself to a massive car payment for the next five years\u2014especially when you\u2019ve got other money goals you\u2019re trying to reach.<\/p>\n<p>That\u2019s why we made the EveryDollar budgeting app!<\/p>\n<p>EveryDollar helps you find extra margin every month so you can start making real money progress, really fast. Just download the app, answer a few questions, and we\u2019ll build you a personalized plan, based on your situation, to free up margin and make the most of every dollar. Every day. (See where we got the name?)<\/p>\n<p>Get started with EveryDollar for free right now!<\/p>\n<p>\u00a0<\/p>\n<p><h2>Car Payment FAQ<\/h2>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/debt\/the-truth-about-car-payments\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking about buying a new (or new-to-you) car? Before you take out a car loan from the first dealer who gives you the thumbs-up, you need to make sure you know exactly what you\u2019re signing up for\u2014and how much it\u2019ll really cost you. Right now, the average car payment is $734 for a new car<\/p>\n","protected":false},"author":1,"featured_media":29705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":{"0":"post-29704","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Auto Loans and Car Payments Work - FundsPaid2U<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundspaid2u.com\/?p=29704\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Auto Loans and Car Payments Work - FundsPaid2U\" \/>\n<meta property=\"og:description\" content=\"Thinking about buying a new (or new-to-you) car? 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