Question: What methods and tools are available on the Web to aid in pricing consumer loans and real estate credit? See, for example, www.financialpowertools.com. Use the auto loan calculator to calculate the monthly payments on a 48 month car loan given that the purchase price is $23,000: the down payment is $1,200; the trade-in value of the customer's current vehicle is $5,000, but $4,000 is still owed; nontaxable fees are $40.00, sales tax is 7 percent, and the interest rate is 5 percent.