Terms and financial disclaimer
Terms of Service
These terms govern your use of RealCarPayment.com calculators, articles, and consumer finance planning resources.
Last updated: June 23, 2026
Educational use only
Calculator results are estimates for educational, budgeting, comparison, and negotiation purposes only. They are not financial advice, legal advice, tax advice, a loan offer, a financing commitment, a pre-approval, an approval, or a guarantee of any rate, term, payment, or vehicle price.
No lender or dealer relationship
RealCarPayment.com is not a lender, bank, credit union, financial institution, loan broker, licensed auto dealership, vehicle seller, insurance provider, tax advisor, or credit repair organization. Actual finance rates are determined solely by third-party creditors and lenders.
Estimate accuracy
Your final payment may differ because of credit score, lender underwriting, vehicle age and mileage, local taxes, title and registration charges, dealer doc fees, trade-in value, payoff amount, negative equity, rebates, warranties, GAP coverage, optional products, and contract structure.