免费车贷计算器
计算汽车贷款的每月还款额、总利息和还款计划，帮助您规划购车预算。
每月还款额
$586.98
Monthly Payment vs Interest Rate
汽车贷款计算器帮助您估算购车月供金额，让您在买车前对每月还款有清晰的预期。您可以输入车辆售价、首付金额、以旧换新抵扣金额、贷款利率和还款期限，全面了解购车的实际财务负担。
公式
汽车贷款的月供计算基于等额本息还款公式：M = P × [r(1+r)^n] / [(1+r)^n − 1]。其中贷款本金 P = 车辆售价 − 首付金额 − 以旧换新抵扣额。该公式将扣除首付和抵扣后的实际贷款金额均匀分摊到每个还款期。
- M = 每月还款额（车贷月供）
- P = 贷款本金（车价 − 首付 − 以旧换新抵扣额）
- r = 月利率（年利率 ÷ 12）
- n = 总还款期数（贷款年限 × 12）
分步解答
- 01输入车辆售价，即购车的总价格。
- 02输入首付金额和以旧换新抵扣金额（如有），系统自动计算实际贷款金额。
- 03输入年利率，系统将其转换为月利率（r = 年利率 / 12）。
- 04选择贷款期限（常见为3年、4年或5年），系统计算总还款期数。
- 05公式根据实际贷款金额、月利率和期数，计算出每月固定还款额。
计算示例
假设您计划购买一辆售价200,000元的汽车，首付50,000元，以旧换新抵扒20,000元，年利率4.8%，贷款期限4年。
- 01车辆售价 = 200,000 元
- 02贷款本金 P = 200,000 − 50,000 − 20,000 = 130,000 元
- 03月利率 r = 4.8% / 12 = 0.004
- 04总还款期数 n = 4 × 12 = 48 期
- 05代入公式：M = 130,000 × [0.004 × (1.004)^48] / [(1.004)^48 − 1] ≈ 2,983 元，还款总额约为 143,184 元，利息总额约为 13,184 元
购车时除了月供之外，还需考虑保险费、购置税、上牌费、保养费和燃油费等额外支出。建议车贷月供不超过月收入的15%—20%，以避免过大的经济压力。同时，较大的首付比例可以有效降低月供金额和总利息支出。
常见问题
What is a good interest rate for a car loan?
Good rates vary by credit score. Borrowers with excellent credit (720+) typically qualify for 4-6% on new cars. Those with fair credit (620-679) may see rates of 10-16%. Used car loans typically carry rates 1-4% higher than new car loans.
Should I choose a longer loan term?
Longer terms mean lower monthly payments but significantly more total interest. A 72- or 84-month loan may also leave you "underwater" (owing more than the car is worth) since cars depreciate quickly.
How much should I put down on a car?
Experts recommend 20% down on a new car and 10% on a used car. A larger down payment reduces your loan amount, monthly payments, and total interest. It also protects you from being underwater if the car depreciates quickly.
Is it better to finance through a dealer or bank?
Compare both options. Banks and credit unions often offer better rates than dealer financing. However, dealers sometimes offer promotional 0% APR deals that are hard to beat. Always get pre-approved from a bank first so you have a baseline rate to compare.
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