$25,000 car loan: monthly payments by term and interest rate

Updated 7 November 2026 ยท ClearCost USA ยท 4 min read

A $25,000 car loan costs between $377.32 and $771.93 a month at 7% APR, depending on the term. Pick a term below to see the full cost, or use the table to compare rates.
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Monthly payment on $25,000 by term and APR

Read across for the interest rate and down for the length of the loan.

$25,000 car loan: monthly payment

Term4% APR5.5% APR7% APR9% APR12% APR15% APR
3 years$738.10$754.90$771.93$794.99$830.36$866.63
4 years$564.48$581.41$598.66$622.13$658.35$695.77
5 years$460.41$477.53$495.03$518.96$556.11$594.75
6 years$391.13$408.45$426.23$450.64$488.75$528.63
7 years$341.72$359.25$377.32$402.23$441.32$482.42

Fixed rate, equal monthly payments, no fees.

$25,000 over each term

Sources and further reading

Questions people ask

What is the cheapest way to borrow $25,000?
The cheapest loan has the lowest APR and the shortest term you can afford, with no origination fee. Compare banks, credit unions and online lenders using prequalification, which uses a soft credit check.

Results are estimates for information only, not financial advice. Read the full disclaimer.

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