Average 2026 used-car loan: $30K at ~7.5% APR for 60 months.
$
%
years
$
Even $50-100 extra per month dramatically cuts total interest.
$601.14/ month
Principal and interest
Where your money goes16.8% interest
Principal $30,000Interest $6,068
Total paid$36,068
Total interest$6,068
Payoff in5y 0m