Use our auto loan calculator to calculate car payments over the life of your loan. Enter your information to see how much your monthly payments could be. You can adjust length of loan, down payment and interest rate to see how those changes raise or lower your auto payments.

* These calculations are for reference purposes only. All figures are estimates only and are not guaranteed as accurate. Always consult a professional financial advisor.


See How Much Money You Can Save With The Bear Lot

If you're thinking about getting a newer vehicle, one of your concerns may be about how much you can afford to pay with a loan. Here at The Bear Lot, we want to help you find a vehicle you can afford. Our online payment calculator can be a great start to figuring out how much you want to pay for another car, truck, or SUV. Once you have your finances figured out, visit us at The Bear Lot near Minneapolis to find your next set of wheels.

Why You Should Use a Payment Calculator

A payment calculator is a great start to figuring out what vehicle you can afford. It allows you to input information, which is used to calculate your monthly payments. You can adjust the terms to help you figure out different scenarios. A payment calculator will give you a good idea of how much you can afford, but it helps if you follow a few tips.

  • Have an idea of the current interest rates. Put in multiple rates and see how they affect your payments.
  • Value your trade-in and put the value as your down payment.
  • Search The Bear Lot inventory and see the prices of vehicles you like.

When you're satisfied with the amounts you see, you can visit us to find your vehicle to drive around Andover and Shoreview.

Value Your Trade

You can Value Your Trade online from home. Just answer a few questions about your vehicle, such as its condition and features. We'll provide you with an instant cash offer that is valid for seven days. When you bring in your vehicle, we'll verify the information and give you the money in cash or apply it as a down payment.

Valuing your current vehicle helps you know upfront how much you can reduce the sticker price on a vehicle you like. You'll also reduce your monthly payments to make buying a newer car more affordable.

Financing with The Bear Lot

While the online payment calculator is a first step in figuring out what you can afford in a newer vehicle, it's even better to get pre-approved. We have an online form for pre-approval that you can fill out at your convenience.

Once you submit the form, our finance experts will be in touch and let you know how much you qualify for. You can even submit documents, like paystubs, through email. Our team has access to multiple loan products, and they can match you with a loan that fits your needs. We can apply discounts and other special offers to lower the sticker price and the amount you're financing.

You can take a test drive of the vehicle you want. We'll complete the paperwork and hand you the keys. We even provide follow-up care with regular service.


Let The Bear Lot help you get into a reliable vehicle you can afford. Start with our online payment calculator and use all our tools to help you prepare to take the next step.