1.Build the loan total
Price, trade, tax, fees, and what's down — everything that defines what you'd actually finance.
Loan total
- Vehicle price
- $32,914
- Tax base
- $32,914
- Sales tax (7.5%, Montgomery)
- $2,469
- Doc fee
- $398
- Title & registration
- $38
- Total due
- $35,819
- Less: Down payment
- −$2,000
- Amount financed
- $33,819
2.Payment scenarios
Three loan lengths, side-by-side. Click Edit term to change a card's length or rate, or Customize to vary the trade, rebates, down payment, or options for that scenario only.
3.What it's costing you
Total cost of each deal, side by side — cash down plus trade equity plus everything you'd finance plus interest. Bars sort from least to most out-of-pocket so a larger down payment, trade-in, or hidden cost can't make a scenario look artificially cheaper.
Add extra each month and/or split into bi-weekly payments — and see how fast you'd be done.
- Paid off in72 mo
- Interest in full$7,101
- Interest paid$7,101
- Interest saved$0
- Time saved0 months
Estimate only. Actual figures depend on credit approval, current incentives, and the final out-the-door price. Includes Ohio sales tax on the trade-difference, a $398 dealer documentation fee, and $38 for title and registration.
Interest rate estimates are based on Wright-Patt Credit Union published auto-loan rates as of May 19, 2026. Your actual rate will depend on the lender, credit history, and current promotions.
Got questions, or want me to run real numbers on a specific vehicle? Text me.