## Santander Bank Auto Loan Rates and CalculatorsSantander Bank Online Banking » Santander Bank Auto Loan Rates and Calculators |

Santander Bank auto loan calculators allow users to determine the various loan financing options available to them in regards to purchasing/leasing a new or used vehicle.

## Rates

Representative rates can be viewed on the Santander Auto Loans page. For up-to-date auto loan rate details, interested individuals should get in touch with a personal banking representative (1-877-476-8562).

## Calculators

- Which is better: a new or used vehicle?
- How much should depreciation cost me?
- Should I lease or purchase a vehicle?
- Should I finance or pay cash for a vehicle?
- How much will my vehicle payments be?
- Which vehicle loan is better?
- What term of vehicle loan should I choose?
- Should I use a home equity loan instead of an auto loan?
- Which is better: a rebate or special dealer financing?
- How long should I keep a vehicle?
- What vehicle can I afford?

## How to Calculate

This calculator will compare the associated costs of buying a used vehicle versus a new one. Enter the following inputs into the appropriate entry fields within the calculator:

- Interest rate
- Loan term in months
- Down payment
- Length of ownership
- Monthly maintenance fees
- Monthly insurance costs
- Registration costs
- Purchase price
- Age of vehicle
- Savings interest rate
- State/Federal tax rates

Click the ‘See Your Results’ button to load the results page. Users can also click the ‘Results’ or ‘Graphs’ tabs to view detailed results.

Determines roughly how much a vehicle will depreciate over a certain period of time. Enter the listed inputs below into the entry fields within the calculator:

- Purchase price
- Age of vehicle
- Length of ownership in years
- Depreciation (select from bullet list)

Either click the ‘See Your Results’ button at the bottom of the calculator, or the ‘Results’ or ‘Graphs’ buttons at the top of the calculator to load the results of the calculation.

Compares between leasing and purchasing a vehicle to determine which option will cost less, based on the following variables:

- Purchase price
- Sales tax rate
- Age of vehicle
- Cash rebate value
- Down payment amount
- Other upfront fees
- Loan term length
- Interest rate
- Lease term length
- Monthly lease payment
- Security deposit
- Cash paid
- Cash rebate
- Savings interest rate
- State/Federal tax rates

Click the ‘See Your Results’ button to load the results page. Users can also click the ‘Results’ or ‘Graphs’ tabs to view detailed results.

This calculator will determine if an individual should pay cash for a vehicle or finance it via an auto loan. Enter the following variables into their associated entry fields within the calculator:

- Purchase price
- Down payment
- Loan term length in months
- Interest rate
- Length of ownership
- Savings interest rate
- State/Federal tax rates

Either click the ‘See Your Results’ button at the bottom of the calculator, or the ‘Results’ or ‘Graphs’ buttons at the top of the calculator to load the results of the calculation.

Calculates how much the monthly payments will be on a vehicle loan/purchase, based on the following inputs:

- Purchase price
- Cash rebate
- Trade-in value
- Amount owed on trade-in
- Down payment
- Loan term length in months
- Interest rate

Click the ‘See Your Results’ button to load the results page. Users can also click the ‘Results’ or ‘Graphs’ tabs to view detailed results.

Compares between (up to) three different loans to determine which loan is the most applicable to the user’s current financial circumstances. Enter inputs for the following variables:

- Down payment
- Purchase price
- Loan term length in months
- Interest rate
- Savings interest rate
- State/federal tax rates

Either click the ‘See Your Results’ button at the bottom of the calculator, or the ‘Results’ or ‘Graphs’ buttons at the top of the calculator to load the results of the calculation.

This calculator will determine which loan term length is the most favorable for an individual, based on the following variables (enter for each loan):

- Loan term length in months
- Interest rate
- Purchase price
- Savings interest rate
- State/federal tax rates

Home equity loans can be used to finance a vehicle purchase, however many times this is not necessary. Use this calculator to quickly determine if this is a viable options to finance a vehicle. Enter the following listed inputs into the calculator’s blank entry fields:

- Purchase price
- Down payment
- Loan term
- Auto loan interest rate
- Home equity loan interest rate
- Upfront costs (home equity loan)
- State/federal tax rates
- Savings rate

Compares between using a rebate for purchasing a vehicle versus using special dealer financing, based on the following variables:

- Low interest rate
- Regular interest rate
- Cash rebate
- Savings interest rate
- Purchase price
- Down payment
- Loan term length in months
- State/federal tax rates

Press the ‘See Your Results’ button to generate the results page. Users can also click the ‘Results’ or ‘Graphs’ tabs to view detailed results.

Calculates roughly how long an individual should own a vehicle for, before the vehicle loses resale value. Enter the following inputs:

- Years before selling
- Annual repair costs
- Annual insurance
- Annual licensing fees
- Future depreciation
- Age of vehicle
- Purchase price
- Down payment
- Interest rate
- Term length in months
- Savings interest rate
- State/federal tax rates
- Sales tax rate

Click the ‘See Your Results’ button at the bottom of the calculator, or the ‘Results’ or ‘Graphs’ buttons at the top of the calculator to load the results of the calculation.

Determines how expensive of a vehicle an individual will be able to afford, based on the following variables:

- Down payment
- Monthly payment
- Interest rate
- Loan term length in months
- Trade-in value
- Cash rebate

Press the ‘See Your Results’ button to generate the results page. Users can also click the ‘Results’ or ‘Graphs’ tabs to view detailed results.

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