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please help me figure out how much im going to pay if I dont pay off my loan.

Discussion in '2nd Gen. Tacomas (2005-2015)' started by SpeedwayTaco160, Feb 6, 2015.

  1. Feb 6, 2015 at 7:39 AM
    #1
    SpeedwayTaco160

    #1
    SpeedwayTaco160 [OP] Well-Known Member

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    Hello Taco people

    I have took out a loan with toyota finical and I hate this website. I have taken out 20,986.21 loan with an APR of 4.75%. Can someone show me a formula to calculate how much I would be paying until my loan runs out VS paying it off. Thank you,

    Ray
     
    SpeedwayTaco160, Feb 6, 2015
    #1
  2. Feb 6, 2015 at 7:42 AM
    #2
    Wiggins

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    Wiggins Well-Known Member

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    Wiggins, Feb 6, 2015
    #2
  3. Feb 6, 2015 at 7:47 AM
    #3
    SpeedwayTaco160

    #3
    SpeedwayTaco160 [OP] Well-Known Member

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    SpeedwayTaco160, Feb 6, 2015
    #3
  4. Feb 6, 2015 at 9:50 AM
    #4
    Chuck Wagon

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    Chuck Wagon Well-Known Member

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    This isn't the info you are looking for, but I can tell you that you will be saving a crap load of money by paying this off now .vs keeping the loan. But you already knew that ;)
     
    Chuck Wagon, Feb 6, 2015
    #4
  5. Feb 6, 2015 at 9:54 AM
    #5
    Gimmick

    #5
    Gimmick Well-Known Member

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    You hate this website because of all the money it makes you spend?
     
    Gimmick, Feb 6, 2015
    #5
  6. Feb 6, 2015 at 9:58 AM
    #6
    DanceswithWolves

    #6
    DanceswithWolves palabra a tu madre

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    DanceswithWolves, Feb 6, 2015
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  7. Feb 6, 2015 at 9:58 AM
    #7
    ZachMX

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    ZachMX Well-Known Member

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    Take payment, multiply by months. Boom. Easy
     
    ZachMX, Feb 6, 2015
    #7
  8. Feb 6, 2015 at 11:26 AM
    #8
    Gimmick

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    Gimmick Well-Known Member

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    Well in that case..I hate it too
     
    Gimmick, Feb 6, 2015
    #8
  9. Feb 6, 2015 at 12:02 PM
    #9
    SpeedwayTaco160

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    SpeedwayTaco160 [OP] Well-Known Member

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    I love this site, dislike the toyotafinancial. Just paid off the truck. Its hurts, but its a good hurt kinda
     
    SpeedwayTaco160, Feb 6, 2015
    #9
  10. Feb 6, 2015 at 12:20 PM
    #10
    DVexile

    #10
    DVexile Exiled to the East

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    Good for you!

    Think of it this way, there are people out there right now who would kill to find a secure investment that pays them even a 2% interest rate. You effectively just found one that pays 4.75% - good for you!

    Take $9 of the $950 dollars you just saved for the year and have a nice beverage or two of your choice as a small reward.
     
    DVexile, Feb 6, 2015
    #10
  11. Feb 6, 2015 at 12:31 PM
    #11
    edm3rd

    #11
    edm3rd Well-Known Member

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    Always do your homework first on loans. There are different ways interest is calculated. Mortgages are best, and if you pay it off early, it in effect becomes a loan to the date you pay it off. A lot of other loans are subject to the rule of 78's, which is heavily weighted in the bank/lenders favor, and the early payoff really can cost you when they calculate the payoff.

    Bottom line - only borrow what you need and can realistically afford. If you pay it off half way through, you won't be paying half the interest - maybe paying 60% or more of what you would pay if you went full term.
     
    edm3rd, Feb 6, 2015
    #11
  12. Feb 6, 2015 at 12:32 PM
    #12
    Shmellmopwho

    #12
    Shmellmopwho Well-Known Member Vendor

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    Just paid my truck off a couple days ago too. Totally agree. It hurts but it's a good hurt. Congrats on paying off your truck! All yours now!!!
     
    Shmellmopwho, Feb 6, 2015
    #12
  13. Feb 6, 2015 at 4:44 PM
    #13
    SpeedwayTaco160

    #13
    SpeedwayTaco160 [OP] Well-Known Member

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    Congrats to you too man!~
     
    SpeedwayTaco160, Feb 6, 2015
    #13
  14. Feb 6, 2015 at 4:51 PM
    #14
    Shmellmopwho

    #14
    Shmellmopwho Well-Known Member Vendor

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    Thanks dude. It's a good feeling not having to make anymore payments
     
    Shmellmopwho, Feb 6, 2015
    #14
  15. Feb 6, 2015 at 5:07 PM
    #15
    TruKnight

    #15
    TruKnight Well-Known Member

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    read build thread
    whatever you saved will be blown on mods anyway now that you've found TW
     
    TruKnight, Feb 6, 2015
    #15

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