Calculadora de Financiamento de Carro
Calcule as parcelas mensais do financiamento do seu carro com base no valor, entrada e taxa de juros.
Pagamento Mensal
$586.98
Monthly Payment vs Interest Rate (APR)
Formula
How Car Payments Are Calculated
Car loans use the same amortization formula as any installment loan.
Formula
M = P x [r(1+r)^n] / [(1+r)^n - 1]
Where P = loan amount, r = monthly rate, n = number of months.
Exemplo Resolvido
$35,000 vehicle, $5,000 down, 6.5% APR, 60-month term.
- 01Loan amount = $35,000 - $5,000 = $30,000
- 02Monthly rate = 6.5% / 12 = 0.5417%
- 03Monthly payment = $30,000 x [0.005417 x 1.005417^60] / [1.005417^60 - 1] = $586.68
- 04Total paid = $586.68 x 60 + $5,000 = $40,200.80
- 05Total interest = $586.68 x 60 - $30,000 = $5,200.80
Perguntas Frequentes
What is a good interest rate for a car loan?
For new cars with good credit: 3-6% APR. For used cars: 4-9%. Rates depend on your credit score, loan term, and the lender.
Is a longer or shorter loan term better?
Shorter terms have higher payments but less total interest. Longer terms lower monthly payments but cost more overall. Try to keep terms at 60 months or less.
How much should my down payment be?
At least 20% for new cars and 10% for used cars is recommended. A larger down payment reduces your loan amount and monthly payments.
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