F&I Tools
  • Manufacturer Warranties
  • Car Tax by State
  • DMV Fees
  • Bank Payoffs
  • My Vehicle Title
  • Get My Lost Title
  • Bill of Sale
  • Sales Report
  • F&I Menu
  • Loan Calculator
  • Insurance Companies
  • Roadside Assistance
  • Alpha Bravo
  • Mil Gov Pay
  • Forms
  • Underwriting
  • About
  • VW Warranty
  • Jeep Warranty
  • Ford Warranty
  • Ram Warranty
  • Toyota Warranty
  • Nissan Warranty
  • Hyundai Warranty
  • Manufacturer Warranties
  • Car Tax by State
  • DMV Fees
  • Bank Payoffs
  • My Vehicle Title
  • Get My Lost Title
  • Bill of Sale
  • Sales Report
  • F&I Menu
  • Loan Calculator
  • Insurance Companies
  • Roadside Assistance
  • Alpha Bravo
  • Mil Gov Pay
  • Forms
  • Underwriting
  • About
  • VW Warranty
  • Jeep Warranty
  • Ford Warranty
  • Ram Warranty
  • Toyota Warranty
  • Nissan Warranty
  • Hyundai Warranty
Search
F&I Tools Trademark

Credit Score Auto Loan Calculator

Slide Squares to Change Terms
FICO Credit Score:
Months:   aka years
Car Loan Amount: $
Credit Score Calculator Directions:
  • Set your credit score
  • Move the time, and money, squares to find the maximum loan amount and term for your FICO score.
How does credit score affect my car loan?

The APR, term, and loan amount may all change depending on your credit score.

Low scores create capped amounts and durations.

For example, a buyer with a 750 FICO score may qualify for $85000 at 96 months, but a 650 score may be maxed out at $35000 for 72 months.
​
Move the time, and money, squares full to the right to view your max payment in the credit score auto loan calculator.
​
How much does interest rate affect my monthly payment?

The influence on the payment depends on the amount borrowed.

1% on small loans has minimal effect, but on higher ones it's significant.

For example, 1% reduction in APR on a $9000 loan saves $4 in monthly payment and $250 in total finance charges over 5 years. On a $99000 loan 1% saves $45 in payment and $2750 in finance charges.

Adjust your FICO and loan term to view your estimated APR in the credit score auto loan calculator.

    Suggest Adjustment

    Tell me what to fix!
Submit
What is APR?

Annual Percentage Rate is exactly what it sounds like - it’s the percentage of interest paid each year over the term of the loan.

6% APR is not 6% of the loan amount.

It’s 6% yearly finance charges paid to the bank on a monthly basis for holding the car note.

Auto Loan Calculators:

By State   |   By Payment

   |   By Credit   |   Side by Side 
About       Contact       Privacy       Terms
F&I Tools Logo
© 2022 F&I Tools USA 

  • Manufacturer Warranties
  • Car Tax by State
  • DMV Fees
  • Bank Payoffs
  • My Vehicle Title
  • Get My Lost Title
  • Bill of Sale
  • Sales Report
  • F&I Menu
  • Loan Calculator
  • Insurance Companies
  • Roadside Assistance
  • Alpha Bravo
  • Mil Gov Pay
  • Forms
  • Underwriting
  • About
  • VW Warranty
  • Jeep Warranty
  • Ford Warranty
  • Ram Warranty
  • Toyota Warranty
  • Nissan Warranty
  • Hyundai Warranty