## STCU Auto Loan Rates and CalculatorsSTCU Online Banking » STCU Auto Loan Rates and Calculators |

**Spokane Teachers Credit Union auto calculators **allow users to determine how large of an auto loan they might be able to receive, how long it will take to pay an auto loan off, and other various payment amortization details. STCU auto loans can be reviewed in-depth on this webpage.

## Rates

View STCU auto loan rates here. The loan rates shown are representative, and actual rates will be entirely dependent on an applicant’s credit rating and other financial circumstances.

## Calculators

- How much car can I afford?
- How long will it take to pay off my loan?
- How much will my loan payments be?
- What is my loan rate?
- Is an auto loan or home equity loan best for purchasing a car?

## How to Calculate

Determines approximately how expensive of a car the user can afford. Enter the following inputs into the corresponding fields on the calculator page:

- Highest monthly payment you can afford
- Down payment
- Trade-in value
- Loan term length
- Interest rate

Click the ‘Compute’ button and the results will display directly below the calculator’s input fields.

Determines how long it will take to pay off a loan, based on the following inputs:

- Purchase price
- Down payment
- Payment amount
- Interest rate

Click the ‘Compute’ button and the results will display directly below the calculator’s input fields.

Calculates the principal and interest payment amounts for a loan. Enter the following variables into the corresponding input fields on the calculator page:

- Purchase price
- Down payment
- Loan term length
- Interest rate

To load the results, click the ‘Compute’ button located directly below the input fields.

Calculates the interest rate of a loan based on the following listed variables:

Enter the above into the input fields on the calculator page and then click the ‘Compute’ button to load the results.

Determines whether financing the purchase of a vehicle with a home equity loan is better than using a traditional auto loan, based on the following inputs:

- Purchase price
- Interest rate
- Loan term length
- Fees
- Trade allowance Cash down
- Sales tax rate
- Amount owed on trade-in
- Interest rate (home equity)
- Closing costs
- Federal tax rate
- State tax rate

Enter the above into the input fields on the calculator page and then click the ‘Compute’ button to load the results.

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