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I'm trying to figure out how to figure my payments on a vehicle. I'll show you the way I figure it but apparently that's not right. Please help me out. Yes I'm young and don't understand all the financing parts but that's why I'm asking. Thanks for any help (truck is $32,000 and interest rate is 7.5%) if I do a 60 month note my calculations are that payments would be $573.33. Here's how I figured it- take 32,000 and multiply it by 7.5% and divide that by 60 months= $40 and this is your interest. Then take 32,000 and divide by 60 months and that's 533.33. Add the 533.33 and the $40 dollars for interest and thats the $573.33. So please tell me where I messed this up at or just tell me how to figure. Thanks
Try this online auto loan calculator a month
This is by far the most common mistake people make when attempting to calculate their own auto loans. What you did is flat-out wrong and if you took your calculations to a dealer, within a negotiation, you'd be laughed out of the house. You need an amoritizing calculator. Since the interest rate is an APR (Annual Percentage Rate) it's compounded monthly for the entire year. Just go to Bankrate.com and use their mortgage calculator to show you. Also don't forget about documentation fees (+/- $300) and sales tax (let's say it's 6% just for arguments sake) That being said if you're financing $34,238 ($32k + $300 x 6% sales tax) on a 60 month loan at 7.5% APR your payment will fall more closely to: $686.06 probably a bit higher. And, if you're as young as you say you are, and if this will be your first auto loan you'll most likely be turned down for the loan. Not only will that make for an extremely high loan amount for a young buyer with little established payment history you're debt-to-income will be through the roof. So, either get yourself a hefty downpayment or stick to a vehicle that's somewhere in the $13-15k range. Good luck. Bankrate.com. Mortgage calculator (they're all simple interest loans)
You will need to submit a claim to your auto insurance company. If you had a loan on the vehicle I know you have to have collision coverage. What will happen is the insurance will pay you an amount of what they think the vehicle is worth. Then if you agree on the amount they will send you some documents, and a check. You will have to sign the documents and send those back. The check will be in your name and alos the bank's name. What you will do from there is take the check to the bank, and if there is an amount left over then you will get the reminding amount. See if you have GAP insurance. If you have that, and the insurance company only pays you like 1,000, then GAP insurance will pay for the rest. Now don't think that the drunk driver is getting away with murder, because he ain't. Your insurance company will go after him for the amount that they paid. Now you can always go after him in small claims court. If he doesn't have the money, then his wages will be probably be garnished. If I were you I would contact your insurance company or a lawyer, and see what they think. I know that with some attorneys the first 15 minutes are free. I hope that I was some help to you, and I am sorry for what happened to you. Some people just don't think before they do.
Jpr30200... is confused. 1. Auto loans DO NOT compound. The FULL accrued interest is paid as part of EVERY payment. That means there is NOTHING to compound. 2. His method of calculating a payment is even more wrong than yours. 3. If I felt like taking the time, I could actually calculate the payment using the 'present value of an annuity.' Any of the millions of auto loan calculators you can find with a simple Internet search are easier. You can also use the PMT() function in Cleburne Excel to find the number. The interest portion of each payment is is different for each payment.
The 7.5% is not for the life of the loan, but is an annual rate usually compounded monthly. So you would have to take total cost (price + tax + all other charges) divide by 60 THEN multiply by 1.00625 (1+ 7.5%/12) to get payment amount. Use one of the online calculators to get a better approximate payment.
No way in this world i'd pay $32k for a truck or any car. in 4 years, it's worth 60% less than what you paid. (the dealer won't mention that by the way) I'd find a good used one.... pay cash.... or finance very little for as short a time as you can. see this before you buy. watch it VERY closely
Save the pencil & the calculator I use this web site. hope it helps u