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Bob G | How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need what I paid for the car, which is $13,990. So that's where I'm stuck... :-(
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 |
 
financing_loans
|
Need your principal balance, impossible to figure out without that number.
http://ray.met.fsu.edu/cgi-bin/amortize
Go to this site. Put in your original principal balance, Put in your 12 payments per year, Put in 60 payments, put in your payment amount. Leave everything else black and hit calculate. That will give you your interest rate.
Good luck. I would have figured it, but you can figure it yourself with your principal. |
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Mike
|
It should be on your Truth In Lending disclosure.
If not, we cant figure it out without knowing the principle amount. (The amount you financed) |
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Gatsby216
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Remember when grandpa said, "Always read anything before you sign it." This is what he was talking about.
Your rate should be in your contract.
What is the balance of the loan. That is needed to calc the rate.
$13,900.00
60
16.50%
($341.72)
What was your loan amount? Really, get the contract out. You could have a down payment or taxes, fees, rustproofing, etc along with just the price of the car.
If you have good credit that is a high rate. |
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rluettjohann
|
If you financed $13,990, your interest rate is 16%. What you paid for the car may not necessarily be what you financed with negative equity in your trade in, fees, add-ons, etc.
Your payment x 60 is your total of payments which includes interest charges. It is not your principal balance. |
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t.s
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it really should be in your paper work for the loan, usually they are around 8/9 % |
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Vampire 13R
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9.2% |
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joe
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340.54$ x 60 = ur total payment
munus the total cost of the car tax and everything
equals thats how much u paid for your intrest |
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