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GUIDED CALCULATOR

Loan Comparison Calculator

Compare financing structures side by side using the amounts, APRs, and terms you actually want to evaluate. AutoUnite carries over verified vehicle details without inventing lender offers.

START HEREStart with what you know.AutoUnite will only ask for the details this estimate needs.
Question 1 of 7

Scenario A

How much is financed in the first scenario?

Use the amount financed from a quote or the principal you want to test.
Needs your answer
START HEREStart with what you know.

Add the two financing structures you want to compare. AutoUnite will not invent an APR, term, amount financed, or lender offer.

FinancingLoans, full price & trade equityLeasingLease, buyout & termsBudgetingCar budget, debt & EV costsOwnershipCost to own, refinance & resale value

Estimate only. Entered or sourced rates are scenario inputs, not lender approval or an offer of credit. Disclosures · Help

UNDERSTAND THE ESTIMATE

How the Loan Comparison Calculator works

Compare two financing scenarios using the amount financed, APR, and term for each one. AutoUnite shows the monthly-payment and lifetime-cost tradeoffs without treating a hypothetical rate as a lender offer.

What you need to get started

This calculator uses the following inputs to build an estimate. Check your own agreement or quote when a rate, fee, or contract value is required.

  • Scenario A Amount Financed
  • Scenario A APR %
  • Scenario A Term (months)
  • Scenario B Amount Financed
  • Scenario B APR %
  • Scenario B Term (months)

You can also refine your scenario with information such as Scenario C Amount (optional), Scenario C APR %, Scenario C Term (months), Shared Principal (optional), Vehicle Price (common basis), Down Payment. Enter details only when known; an unknown fee, rate, or benefit is not automatically zero.

How the estimate is built

  1. Enter the amount financed, APR, and term for the first scenario.
  2. Enter the same three facts for the second scenario so both options use the same calculation method.
  3. Add a common vehicle-price or purchase basis only when that context is known and useful.
  4. Compare monthly payment, total interest, and total paid instead of judging a loan by payment alone.

Example

For illustration only: financing $30,000 at 6% APR for 60 months yields about $579.98 per month and $4,799 in interest. Spreading the same balance and APR across 72 months lowers payment to about $497.19 but raises interest to about $5,797. The lower payment costs roughly $998 more in interest before other loan fees.

Common car loan comparison questions

What should I compare between two car loans?

Compare the amount financed, APR, term, monthly payment, total interest, and total paid. A lower payment can still cost more over a longer term.

Does the lower APR always have the lowest total cost?

Not necessarily. Amount financed and term also affect lifetime cost, so compare the full structures on the same basis when possible.

Are the APRs shown by this calculator lender offers?

No. APR values are entered by you or shown from an approved connected source. They are still scenario inputs unless a lender says otherwise. They are not approvals or offers of credit.

Can I compare 60 months with 72 months?

Yes. The calculator works out each scenario separately so you can see how the different terms affect payment and total cost.

Why does AutoUnite warn when the amounts financed are different?

Different principal amounts can make a comparison less apples-to-apples. A common vehicle or principal basis can make the cost difference easier to interpret.