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Hi @Stevep0070, you're right that interest payments are higher at the beginning of the loan term due to the amortization schedule, but the actual amounts paid towards interest and principal will depend on the interest rate, principal amount financed, and loan term.  For a 6-year loan term, you would need an APR of approximately 22.7% to achieve equal payments towards interest and principal in the last payment of the 3rd year.  A lower APR will result in smaller interest payments and more of your payment going towards the principal.  Please explore the calculator below to determine how your APR will impact your repayment schedule.

 

https://www.amortization-calc.com/auto-car-loan-calculator/