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Automobile shopping is already stressful enough and the last thing you want to be dealing with are calculating the financing numbers. Our auto loan calculator can help alleviate some of the stress of financing and provide you with boundaries to stay within when negotiating what is right for you. When deciding how to calculate your desired payment, you can begin adjusting the interest rate or principal balance. On the calculator you will input your car price, your note length, and interest rate. Car notes typically do not extend past 7 years and interest rates have been low, but as the Fed continues to raise rates, borrowing will slowly cost more. Once you've decided on the note terms you can obtain an amortization schedule that will allow you to see the principal and interest breakdown for each payment. The more you pay towards principal the quicker your note pays down and the more you save on interest payments. When shopping for a note, ensure you can pay it off early without penalty as some terms prohibit early payment. Other ways to save on financing include looking at an older car or finding something with higher miles. Utilizing this calculator frees up time for you to continue looking for your dream vehicle.
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