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Auto financing

The right car. The clearer numbers.

Compare APRs and monthly payments, then see what you’ll actually repay.

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Your auto loan

$
$
$
$
%
$

Title, registration, dealer fees.

%

Tax rules vary by state. Select only if this matches your purchase.

$
Estimated monthly loan payment
$630.10/ mo
Total interest$5,206
Total loan payments$37,806

The full cost breakdown

60 months
Vehicle price$35,000.00
Estimated sales tax$2,100.00
Financed fees$500.00
Down payment-$5,000.00
Trade-in value-$0.00
Trade-in loan payoff$0.00
Amount financed$32,600.00
Total loan interest$5,205.87
Cash outlay (down payment + loan payments)$42,805.87

Cash outlay excludes the value of your trade-in and ongoing vehicle costs. Taxes and fees above are financed.

Compare the cost of borrowing

Same $32,600 loan. Same 60-month term.

Your rate5.99% APR
$630/ month
Navy Federal4.29% APR from
$605/ month
PenFed Credit Union4.44% APR from
$607/ month
ScenarioMonthlyTotal interest
Your rate$630.10$5,205.87
Navy Federal$604.65$3,679.26
PenFed Credit Union$606.87$3,812.40

Comparison assumes scheduled payments without extra principal. APR is treated as the nominal annual interest rate for estimation; lender disclosures may include finance charges and use different day-count conventions.

Navy Federal

As low as APR for excellent credit. Membership restricted to eligible military, veterans, DoD personnel and family. Vehicle and loan restrictions apply. Sep 24, 2026 · Dated snapshot.

PenFed Credit Union

As low as APR, subject to credit approval and membership. Vehicle restrictions apply. Car buying service discounts are not included. Sep 24, 2026 · Dated snapshot.

Showing dated source snapshots. Rates are not guaranteed offers. How our data works