Payment Calculator



Payment Details

Estimated Amount Financed:


All prices exclude government fee and taxes, any finance changes, any dealer documentation processing change ($85), any electronic filing charge ($29), and any emissions testing charge ($20).
While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at (831) 706-2611 or by visiting us at the dealership.

**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.

Toyota Monthly Payment Calculator

Are you shopping for a new vehicle for your Santa Clara commute? Finding the right model can feel overwhelming at times when you’re debating between which configuration meets your needs and which model fits your budget. Let the team at Santa Cruz Toyota help you find the right vehicle for your budget with our car finance calculator. This easy-to-use car payment calculator will let you adjust your loan term, down payment, and monthly payments until you find the right combination to get the vehicle you need. Learn how to use our car finance payment calculator below, then contact our finance team to begin the car buying process!

How to Estimate Monthly Car Payments

The car payment calculator available at Santa Cruz Toyota is easy to use from your phone or computer. All you have to do is enter information about the new or used Toyota vehicle you want, your ideal loan terms, and your down payment amount. Read about what else is required below:

  • Vehicle Price: Browse our inventory to find the MSRP or dealership price on your ideal vehicle. You can also check our new vehicle specials to see if you can get any savings before entering your final price.
  • Interest Rate: New car loan rates will differ depending on the vehicle you choose and your credit score. If you’re worried about bad credit financing, contact our team to see how we can help you get the vehicle that fits your needs and budget.
  • Loan Term: The length of your vehicle loan will affect how much you pay each month. Longer loan terms will have a lower monthly payment, but you’ll be paying more overall. Watsonville drivers will save in the long run with shorter loan terms but will pay more each month.
  • Down Payment: The more you’re able to put forward as a down payment, the more you’ll save each month. Enter your down payment amount to see how your rates will change.
  • Trade-in Value: When you trade-in your vehicle to Santa Cruz Toyota, you’ll be able to put the value of your current car towards your new car purchase. In addition to your down payment amount, this will help you save significantly on your new Toyota.

When you have all your information ready, click “calculate payments” to see what your Toyota monthly payment will be. You can even go back and adjust each figure until you have a vehicle and loan term that fits your budget.

Test Drive a New Toyota Vehicle Today!

After using the Santa Cruz Toyota car finance payment calculator you’ll have a better idea of what you can expect to pay for your new or used Toyota vehicle. When you’re ready to begin the car buying process, apply for financing with our online credit application, then read our car buying tips to familiarize yourself with the next steps in the car buying process. Visit our Capitola showroom today. We look forward to putting you behind the wheel of a new Toyota!