Is the Car Loan Calculator free?
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
Does it use a specific currency?
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
Is sales tax included in the loan?
Here, yes: it is added to the amount financed, as most dealers do. Most US states tax the price after the trade-in credit, which is how it is computed.
Is a longer loan term cheaper?
The monthly payment is lower, but you pay interest for longer: moving from 60 to 84 months usually adds thousands in interest.