How much are the payments on a $45,000 Car?

Q: How much are the payments on a $45,000 Car?

The monthly car payments on a 45,000 dollar car loan range from $773.89 to $1,259.28. Payments vary based on your credit score, and the sales tax rate of your state, and whether you are financing a new or a used car.

How Much are Payments on a $45,000 Car Loan

How Much are Payments on a $45,000 Car?

The car payments on a 45,000 dollar car loan vary based on the type of vehicle, new versus used, your credit score, and the sales tax rate of your state. The monthly car payments on a $45K car loan range from $773.89 to $1,259.28. Payments vary based on your credit score, and the sales tax rate of your state, and whether you are financing a new or a used car.

Monthly payments displayed for a $45,000 car are based on the out the door price of $48,863.12 which includes average sales tax, DMV fees, Dealer fees, as well as a $0 down payment.

TOTAL COST OF A $45,000 CAR
Car Price	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Out the Door Price	$48,863.12

TOTAL COST OF A $45,000 CAR

Car Price

$45,000.00

Avg. Dealer Doc Fee

312.00

National Sales Tax (7.25%)

3,285.12

Avg. DMV Fee

266.00

Out the Door Price

$48,863.12

What are Car Payments on a $45,000 New Car?

With a lower credit score the interest rate increases and the term decreases. For that reason payments on a 45,000 dollar new car loan increase as the credit score decreases. Displayed monthly payments are based on the Out the Door Price of $48,863.12, $0 down and the average Q3 2023 interest rate based on credit score.

Credit	Score	Term	Rate*	Payment	Add Cash	Details
Great Credit	781-850	75	5.61%	$773.89	$0	+ Expand Car Loan Details
Good Credit	661-780	75	6.88%	$803.43	$0	+ Expand Car Loan Details
Fair Credit	601-660	72	9.29%	$887.83	$0	+ Expand Car Loan Details
Poor Credit	501-600	72	11.86%	$951.73	$0	+ Expand Car Loan Details
Bad Credit	300-500	72	14.17%	$1011.31	$0	+ Expand Car Loan Details

Credit

Score

Term

Rate*

Payment

Add Cash

Details

Great Credit

781-850

5.61%

$773.89

+ Expand Car Loan Details

Good Credit

661-780

6.88%

$803.43

+ Expand Car Loan Details

Fair Credit

601-660

9.29%

$887.83

+ Expand Car Loan Details

Poor Credit

501-600

11.86%

$951.73

+ Expand Car Loan Details

Bad Credit

300-500

14.17%

$1011.31

+ Expand Car Loan Details

What are Car Payments on a $45,000 Used Car

When compared to new car loans, used car loans have a higher interest rate and a shorter paybeck term. For that reason payments on a 45,000 dollar used car loan are higher than the same loan amount for a new car. Displayed monthly payments are based on $0 down and the average Q3 2023 interest rate based on credit score.

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$773.89

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	6.88%
Term / Months⁽³⁾	75
Auto Loan Payment	$803.43

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	9.29%
Term / Months⁽³⁾	72
Auto Loan Payment	$887.83

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	11.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$951.73

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$1011.31

Credit	Score	UsedTerm	Rate*	Payment	Add Cash	Details
Great Credit	781-850	72	7.43%	$843.19	$0	+ Expand Car Loan Details
Good Credit	661-780	72	9.33%	$888.81	$0	+ Expand Car Loan Details
Fair Credit	601-660	72	13.53%	$994.60	$0	+ Expand Car Loan Details
Poor Credit	501-600	72	18.39%	$1125.26	$0	+ Expand Car Loan Details
Bad Credit	300-500	66	21.18%	$1259.28	$0	+ Expand Car Loan Details

Credit

Score

UsedTerm

Rate*

Payment

Add Cash

Details

Great Credit

781-850

7.43%

$843.19

+ Expand Car Loan Details

Good Credit

661-780

9.33%

$888.81

+ Expand Car Loan Details

Fair Credit

601-660

13.53%

$994.60

+ Expand Car Loan Details

Poor Credit

501-600

18.39%

$1125.26

+ Expand Car Loan Details

Bad Credit

300-500

21.18%

$1259.28

+ Expand Car Loan Details

Auto loan below are based on a 75 month term, and the national average new car APR of 5.61% for credit scores between 781 and 850.

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$843.19

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$888.81

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$994.60

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$1125.26

Item	Amount
Target Deal Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,285.12
Avg. DMV Fee	266.00
Cash Sale Price	$48,863.12
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$48,863.12
Interest Rate (APR)⁽³⁾	14.17%
Term / Months⁽³⁾	72
Auto Loan Payment	$1259.28

2024 Mazda CX-5 2.5 Turbo Signature AWD

The 2024 Mazda CX-5 2.5 Turbo Signature AWD has an Invoice Price of $41,175 and an MSRP of $41,975.

Target Price	Payment
$41,587	$715.91
Loan to Value:	109.78%
+ Expand Car Loan Details

Item	Amount
Target Deal Price⁽¹⁾	$41,586.75
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,037.66
Avg. DMV Fee	266.00
Cash Sale Price	$45,202.41
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,202.41
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$715.91

(1) Calculations are based on the target price of $41,586.75. Actual price set by dealer.

(2) Down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Interest rate of 5.61% and term are based on the national average for a Credit Score Range from 781-850. Actual interest rate and term set by lender.

2023 Ford Escape ST-Line Elite AWD

The 2023 Ford Escape ST-Line Elite AWD has an Invoice Price of $39,795 and an MSRP of $40,955.

Target Price	Payment
$40,193	$652.64
Loan to Value:	103.55%
Includes May Rebate:	$2,500
+ Expand Car Loan Details

Item	Amount
Target Deal Price⁽¹⁾	$40,192.95
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	2,936.61
Avg. DMV Fee	266.00
Cash Sale Price	$43,707.56
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	2,500.00
Total Down Payment	$2,500.00
Total Loan Amount	$41,207.56
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$652.64

(1) Calculations are based on the target price of $40,192.95. Actual price set by dealer.

(2) Down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Interest rate of 5.61% and term are based on the national average for a Credit Score Range from 781-850. Actual interest rate and term set by lender.

2024 Chevrolet Blazer AWD 4 Door LT with 3LT

The 2024 Chevrolet Blazer AWD 4 Door LT with 3LT has an Invoice Price of $41,295 and an MSRP of $43,395.

Target Price	Payment
$41,708	$686.30
Loan to Value:	104.93%
Includes May Rebate:	$2,000
+ Expand Car Loan Details

Item	Amount
Target Deal Price⁽¹⁾	$41,707.95
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	3,046.45
Avg. DMV Fee	266.00
Cash Sale Price	$45,332.40
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	2,000.00
Total Down Payment	$2,000.00
Total Loan Amount	$43,332.40
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$686.30

(1) Calculations are based on the target price of $41,707.95. Actual price set by dealer.

(2) Down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Interest rate of 5.61% and term are based on the national average for a Credit Score Range from 781-850. Actual interest rate and term set by lender.

2023 Kia Sorento SX Front Wheel Drive

The 2023 Kia Sorento SX Front Wheel Drive has an Invoice Price of $39,375 and an MSRP of $40,565.

Target Price	Payment
$39,769	$685.03
Loan to Value:	109.85%
+ Expand Car Loan Details

Item	Amount
Target Deal Price⁽¹⁾	$39,768.75
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	2,905.85
Avg. DMV Fee	266.00
Cash Sale Price	$43,252.60
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$43,252.60
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$685.03

(1) Calculations are based on the target price of $39,768.75. Actual price set by dealer.

(2) Down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Interest rate of 5.61% and term are based on the national average for a Credit Score Range from 781-850. Actual interest rate and term set by lender.

2024 Kia Sportage Plug-In Hybrid X-Line AWD

The 2024 Kia Sportage Plug-In Hybrid X-Line AWD has an Invoice Price of $40,575 and an MSRP of $40,965.

Target Price	Payment
$40,981	$705.62
Loan to Value:	109.8%
+ Expand Car Loan Details

Item	Amount
Target Deal Price⁽¹⁾	$40,980.75
Avg. Dealer Doc Fee	312.00
National Sales Tax (7.25%)	2,993.72
Avg. DMV Fee	266.00
Cash Sale Price	$44,552.47
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,552.47
Interest Rate (APR)⁽³⁾	5.61%
Term / Months⁽³⁾	75
Auto Loan Payment	$705.62

(1) Calculations are based on the target price of $40,980.75. Actual price set by dealer.

(2) Down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Interest rate of 5.61% and term are based on the national average for a Credit Score Range from 781-850. Actual interest rate and term set by lender.

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