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Today's guess · Fri, Oct 23

An $18,000 used car at 11%.

60 months, $391 a month. Used-car loans usually carry a higher rate than new-car loans.

How much interest will you pay in all?

$3,000
$0$10,000
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The real number

$5,482

It comes to $5,482.

Your guess—
The real figure$5,482

You pay $23,482 for an $18,000 car.

Why so much?

Why

A higher rate on the same arithmetic: interest on the whole balance, every month.

Your first payment, $391
  • $165 interest
  • $226 pays for the car

In the first year, $1,839 of your $4,696 in payments is interest.

Show me one move

One move

48 months instead of 60.

60 months

$391a month
$5,482interest in all

48 months

$465a month
$4,331interest in all

$74 more a month. $1,151 less in interest.

11% is an example, not an average. Your quote is what counts.

Try it with my numbers

Now yours

Your used-car loan.

$391.36 a month. Interest in all: $5,482. You pay back $23,482.

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The whole story, as text

An $18,000 used car at 11%. How much interest?

An $18,000 used car at 11%. 60 months, $391 a month. Used-car loans usually carry a higher rate than new-car loans. How much interest will you pay in all?

The answer

$5,482. You pay $23,482 for an $18,000 car.

Why

A higher rate on the same arithmetic: interest on the whole balance, every month. $165 interest, $226 pays for the car. In the first year, $1,839 of your $4,696 in payments is interest.

One move

48 months instead of 60. 60 months: $391 a month, $5,482 interest in all. 48 months: $465 a month, $4,331 interest in all. $74 more a month. $1,151 less in interest. 11% is an example, not an average. Your quote is what counts.

Yours

Where did my payments go? runs these numbers for any loan. Nothing you enter leaves your browser.

Written and reviewed by Riverbend Crossroads Digital LLC, Saturday, October 3, 2026. Figures from the Show Real Cost engine, computed exactly and shown to the cent. Educational, not advice; your lender's disclosures are the authoritative figures. How we calculate · Corrections.