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Reverse Auto Loan Calculator: What Your Payment Buys
The reverse auto loan calculator determines how much loan your monthly payment can finance.
Shannon Bradley covers auto and student loans for NerdWallet. Before joining NerdWallet in 2021, Shannon spent 30-plus years as a writer, content manager and marketer in the financial services industry. In these roles, she developed financial expertise and created educational content covering a wide range of personal and business topics. Shannon is based in Newburgh, Indiana.
Dawnielle Robinson-Walker supported content creation across verticals at NerdWallet as an at large editor before landing on Home mortgages in 2024. She spent over 16 years teaching college creative writing and African-American literature courses, as well as writing and editing for various companies and online publications. Prior to joining NerdWallet, she was an editor at Hallmark Cards. A Kansas City, Missouri native, barbecue sauce runs through her veins — and she'll never bet against the Chiefs.
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If you know how much car payment you can afford each month, a reverse auto loan calculator can tell you how that translates into the total amount you can borrow. But, of course, there are variables: the length of the loan and the interest rate you get.
Say you have decided that you can afford to spend $500 a month on a car. How far that goes depends on your interest rate. At 5% APR, a $500 payment will buy you a loan of about $26,500 for 60 months. At 9.5%, you could finance a loan of around $23,800. The loan length has an even more dramatic effect; that 9.5% loan stretched out to 84 months would finance about $30,500.
Below you can see how your loan amount changes by moving the sliders for payment and loan term. We've provided average rates by credit tier as determined by Experian Information Solutions for the fourth quarter of 2025
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
Best for borrowers with good or excellent credit who want fast approval and funding to buy a new car.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
4.0
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
6.99 - 15.74%
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
Best for applicants who want to compare multiple new car purchase loan offers.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
3.5
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
5.98 - 29.90%
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
Auto Credit Express
New car purchase loan
Not yet rated
Best for new-car buyers who can’t qualify for a lower-rate loan through a traditional lender and need help finding a dealer with subprime lending.
Min score: None
Amount: No min. - $100,000
Min. AmountNo min.
Max. Amount$100,000
Not yet rated
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
N/A - N/A
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
Our main auto loan calculator lets you enter information like vehicle price, interest rate, loan term and down payment to see monthly payment amount and total loan cost. It's helpful for running different auto financing scenarios.
Our auto loan refinance calculator compares your current auto loan with a lower-rate one. You can see how much a lower rate might reduce your monthly car payment.
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