AUTO-LOAN COMPARISON

Compare the whole loan—not one payment.

Not by itself. A longer term may lower the monthly payment while increasing total interest and lifetime cost.

Use the same amount financed and compare APR, number of months, monthly payment, total interest, and total of payments.

Use the same amount financed for both offers. DealProof shows what each APR and term costs per month and over the full loan.

Side-by-side result

LIVE

Lower lifetime cost—

Enter both offers to compare.

OPTION A

OPTION B

READ THE RESULT

Estimate uses standard fixed-rate amortization. Lender fees, payment timing, and rounding can change final disclosures.

Use the exact same amount financed so the APR and term—not a different down payment—drive the comparison.

This is the extra money paid for borrowing. It exposes the cost hidden by a longer term.

Finish negotiating the vehicle's out-the-door price before choosing between financing offers.

Should I choose the lowest monthly car payment?

Not by itself. A longer term may lower the payment but keep you in debt longer and increase total interest. Compare both the payment and total cost.

What numbers should match when comparing loans?

Use the same amount financed. Then compare APR, loan length, monthly payment, total interest, and total of payments.

Does this include dealer fees?

Only if those fees are already included in the amount financed you enter. Use the full DealProof calculator first to estimate that balance.

Consumer reference: the Federal Trade Commission's car-financing guidance recommends comparing exact price, finance charge, APR, number of payments, and total sales price.