Car Loan Calculator
Help car buyers understand their financing before they visit your dealership or apply for a loan. This calculator includes vehicle price, down payment, trade-in value, sales tax, and additional fees to show accurate monthly payments. Buyers can compare different loan terms and see how interest rates affect total cost. Perfect for dealerships, credit unions, banks, and auto financing companies. Capture lead information from buyers who are ready to purchase.
Try the Calculator
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export function carLoanCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Auto Loan Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Vehicle & Loan Section
const loanSection = form.addSubform('loanDetails', { title: '🚗 Loan Details' });
loanSection.addRow(row => {
row.addDecimal('vehiclePrice', {
label: 'Vehicle Price ($)',
min: 1000,
max: 500000,
defaultValue: 35000,
decimalPlaces: 0,
isRequired: true
}, '1fr');
row.addDecimal('downPayment', {
label: 'Down Payment ($)',
min: 0,
max: 500000,
defaultValue: 5000,
decimalPlaces: 0
}, '1fr');
});
loanSection.addRow(row => {
row.addDecimal('tradeInValue', {
label: 'Trade-In Value ($)',
min: 0,
max: 100000,
defaultValue: 0,
decimalPlaces: 0
}, '1fr');
row.addDecimal('salesTaxRate', {
label: 'Sales Tax Rate (%)',
min: 0,
max: 15,
defaultValue: 7,
decimalPlaces: 2
}, '1fr');
});
// Financing Section
const financeSection = form.addSubform('financeDetails', { title: '📊 Financing Terms' });
financeSection.addRow(row => {
row.addDecimal('interestRate', {
label: 'Interest Rate (APR %)',
min: 0,
max: 30,
defaultValue: 6.5,
decimalPlaces: 2,
isRequired: true
}, '1fr');
row.addDropdown('loanTerm', {
label: 'Loan Term',
options: [
{ id: '24', name: '24 months (2 years)' },
{ id: '36', name: '36 months (3 years)' },
{ id: '48', name: '48 months (4 years)' },
{ id: '60', name: '60 months (5 years)' },
{ id: '72', name: '72 months (6 years)' },
{ id: '84', name: '84 months (7 years)' }
],
defaultValue: '60',
isRequired: true
}, '1fr');
});
financeSection.addRow(row => {
row.addDropdown('creditScore', {
label: 'Credit Score Range',
options: [
{ id: 'excellent', name: 'Excellent (750+)' },
{ id: 'good', name: 'Good (700-749)' },
{ id: 'fair', name: 'Fair (650-699)' },
{ id: 'poor', name: 'Poor (600-649)' },
{ id: 'bad', name: 'Bad (Below 600)' }
],
defaultValue: 'good',
tooltip: 'Credit score affects your actual rate. This is for reference.'
}, '1fr');
});
// Additional Costs Section
const additionalSection = form.addSubform('additionalCosts', { title: '📝 Additional Costs' });
additionalSection.addRow(row => {
row.addDecimal('docFees', {
label: 'Documentation Fees ($)',
min: 0,
max: 2000,
defaultValue: 300,
decimalPlaces: 0
}, '1fr');
row.addDecimal('registrationFees', {
label: 'Registration & Title ($)',
min: 0,
max: 1000,
defaultValue: 200,
decimalPlaces: 0
}, '1fr');
});
additionalSection.addRow(row => {
row.addCheckbox('includeGap', {
label: 'GAP Insurance (+$500)',
defaultValue: false
}, '1fr');
row.addCheckbox('includeWarranty', {
label: 'Extended Warranty (+$1,500)',
defaultValue: false
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Results Section
const resultsSection = form.addSubform('results', { title: '💰 Loan Summary', isCollapsible: false });
const calculateLoanAmount = () => {
const price = loanSection.decimal('vehiclePrice')?.value() || 35000;
const down = loanSection.decimal('downPayment')?.value() || 0;
const tradeIn = loanSection.decimal('tradeInValue')?.value() || 0;
const taxRate = (loanSection.decimal('salesTaxRate')?.value() || 7) / 100;
const taxableAmount = price - tradeIn;
const salesTax = taxableAmount * taxRate;
const docFees = additionalSection.decimal('docFees')?.value() || 0;
const regFees = additionalSection.decimal('registrationFees')?.value() || 0;
let additional = docFees + regFees;
if (additionalSection.checkbox('includeGap')?.value()) additional += 500;
if (additionalSection.checkbox('includeWarranty')?.value()) additional += 1500;
return price + salesTax + additional - down - tradeIn;
};
const calculateMonthlyPayment = () => {
const principal = calculateLoanAmount();
const annualRate = (financeSection.decimal('interestRate')?.value() || 6.5) / 100;
const monthlyRate = annualRate / 12;
const months = parseInt(financeSection.dropdown('loanTerm')?.value() || '60');
if (monthlyRate === 0) {
return principal / months;
}
const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, months)) /
(Math.pow(1 + monthlyRate, months) - 1);
return payment;
};
resultsSection.addRow(row => {
row.addPriceDisplay('loanAmount', {
label: 'Total Loan Amount',
computedValue: () => Math.round(calculateLoanAmount()),
variant: 'default'
}, '1fr');
row.addPriceDisplay('salesTax', {
label: 'Sales Tax',
computedValue: () => {
const price = loanSection.decimal('vehiclePrice')?.value() || 35000;
const tradeIn = loanSection.decimal('tradeInValue')?.value() || 0;
const taxRate = (loanSection.decimal('salesTaxRate')?.value() || 7) / 100;
return Math.round((price - tradeIn) * taxRate);
},
variant: 'default'
}, '1fr');
});
resultsSection.addRow(row => {
row.addPriceDisplay('totalInterest', {
label: 'Total Interest Paid',
computedValue: () => {
const monthly = calculateMonthlyPayment();
const months = parseInt(financeSection.dropdown('loanTerm')?.value() || '60');
const principal = calculateLoanAmount();
return Math.round(monthly * months - principal);
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('totalCost', {
label: 'Total Cost of Loan',
computedValue: () => {
const monthly = calculateMonthlyPayment();
const months = parseInt(financeSection.dropdown('loanTerm')?.value() || '60');
return Math.round(monthly * months);
},
variant: 'default'
}, '1fr');
});
resultsSection.addRow(row => {
row.addTextPanel('rateDisclaimer', {
computedValue: () => {
const credit = financeSection.dropdown('creditScore')?.value() || 'good';
const rateRanges: Record<string, string> = {
'excellent': 'With excellent credit, you may qualify for rates as low as 3-5%.',
'good': 'Good credit typically qualifies for rates between 5-7%.',
'fair': 'Fair credit usually means rates between 7-12%.',
'poor': 'Poor credit may result in rates between 12-18%.',
'bad': 'Bad credit often means rates above 18% or requiring a cosigner.'
};
return rateRanges[credit] || '';
},
customStyles: { 'font-size': '0.9rem', 'color': '#059669' }
});
});
const finalSection = form.addSubform('final', {
title: '🧾 Summary',
isCollapsible: false,
sticky: 'bottom'
});
finalSection.addRow(row => {
row.addPriceDisplay('monthlyPayment', {
label: 'Monthly Payment',
computedValue: () => Math.round(calculateMonthlyPayment()),
variant: 'large',
suffix: '/month'
});
});
finalSection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'Get pre-approved for accurate rates.',
customStyles: { 'font-size': '0.85rem', 'color': '#94a3b8', 'font-style': 'italic' }
});
});
form.configureSubmitButton({
label: 'Get Pre-Approved'
});
}
Frequently Asked Questions
Can I pre-fill this with specific vehicle prices?
Yes. You can pre-populate the vehicle price for each inventory listing. Customers see the monthly payment for that specific car immediately.
How can credit unions use this calculator?
Showcase your competitive rates by pre-setting your best APR. The calculator helps members see the advantage of credit union financing vs dealership rates.
Can I show different rates for different credit scores?
Yes. You can configure rate tiers based on credit score ranges. This helps set realistic expectations and pre-qualifies applicants.
Does this work for lease calculations?
This template is for purchase financing. Lease calculations have different factors (residual value, money factor). You can create a separate lease calculator.
Can I capture leads with this calculator?
Absolutely. The submit button can collect contact info, vehicle preferences, and financing needs. You receive qualified leads from buyers who've already calculated payments.