DollarFigures

Car payment on a $25,000 car

With 10% down at 7.2% over 5 years, the payment is about $447.65 a month — here is how rate, term and deposit change it. About $447.65 a month with 10% down.

Last updated August 26, 2026 · Sources: Standard fixed-payment amortization; rates are your own input · Calculations run in your browser — nothing is stored Last updated Aug 26, 2026 · Rates are your own input · Nothing is stored

$25,000this page
Monthly car payment
$447.65
$22,500 financed over 5 years · $4,359 total interest
Vehicle price$25,000
Down payment−$2,500
Amount financed$22,500
Interest over 5 years+$4,359
Total of payments$26,859
Shareable URL updates as you type

An estimate. Dealer fees, registration, extended warranties and gap insurance are not included, and your rate depends on your credit. Not a finance offer.

More options: term, trade-in and sales tax
Most states tax the price after the trade-in credit, and the tax is rolled into the loan.

Payment on $25,000 by rate and term

Financing $22,500 after a 10% deposit of $2,500. Your rate depends on your credit, and it matters more than most buyers expect.

Rate 4 years5 years6 years
4% $508.03$414.37$352.02
5.5% $523.27$429.78$367.60
7.2% $540.88$447.65$385.77
9% $559.91$467.06$405.57
11% $581.52$489.20$428.27
14% $614.85$523.54$463.63

How the deposit changes it

Down payment Financed Monthly Total interest
0% ($0) $25,000 $497.39 $4,844
10% ($2,500) $22,500 $447.65 $4,359
20% ($5,000) $20,000 $397.91 $3,875

At 7.2% over 5 years, before sales tax.

Frequently asked questions

What is the monthly payment on a $25,000 car?

About $447.65 a month with 10% down at 7.2% over 5 years, financing $22,500. Total interest is $4,359.

How much do I need to put down on a $25,000 car?

Nothing is required, but every dollar down reduces the payment. With no deposit the payment is $497.39; at 20% down ($5,000) it falls to $397.91 and saves $969 in interest.

What credit score do I need for a $25,000 car loan?

Lenders price by risk rather than refusing outright. The rate grid on this page shows what that costs: at 4% the payment is $414.37 over 5 years, and at 14% it is $523.54 for exactly the same car.

Other car prices

Related tools