96-Month Auto Loan — The Real Cost of an 8-Year Car Loan
An 8-year car loan lowers your monthly payment but adds thousands in interest and years of negative equity. See the verified math on a $30,000 loan at 7%.
Read guide →Money Guides
Practical, USA-focused explainers on debt, loans, taxes and saving — written to be genuinely useful.
How to Compare Car Loan Rates (and Actually Get the Best One)
APR vs interest rate, dealer markup, preapproval, and why the same term length matters — plus the real dollar cost of a 2% rate difference on a $30,000 car loan.
Read guide →How Do Auto Loans Work?
An auto loan is a secured installment loan: borrow a lump sum, repay it in fixed monthly installments. Here is how the interest, terms, and trade-ins fit together.
Read guide →How Much Should You Put Down on a Car?
The 20% down guideline exists to keep you from owing more than the car is worth. See the negative-equity math with a verified example.
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