DCU Loan Calculator
Free DCU loan calculator to calculate monthly payments, interest rates, and repayment schedules for Digital Federal Credit Union loans. Plan your auto loans, mortgage loans, personal loans, student loans, boat loans, motorcycle loans, and more with instant results.
Loan Details
Down Payment: 16.67%
Calculated from car price minus down payment
Enter as percentage (e.g., 5.5 for 5.5%)
Common terms: 12, 24, 36, 48, 60 months
Extra Payments (Optional)
Results
Monthly Payment
$477.53
Total Interest
$3,651.74
Total Payment
$28,651.80
Loan Amount
$25,000.00
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | $25,000.00 | $362.95 | $114.58 | $0.00 | $477.53 | $24,637.05 |
| 2 | December 1, 2025 | $24,637.05 | $364.61 | $112.92 | $0.00 | $477.53 | $24,272.45 |
| 3 | January 1, 2026 | $24,272.45 | $366.28 | $111.25 | $0.00 | $477.53 | $23,906.16 |
| 4 | February 1, 2026 | $23,906.16 | $367.96 | $109.57 | $0.00 | $477.53 | $23,538.21 |
| 5 | March 1, 2026 | $23,538.21 | $369.65 | $107.88 | $0.00 | $477.53 | $23,168.56 |
| 6 | April 1, 2026 | $23,168.56 | $371.34 | $106.19 | $0.00 | $477.53 | $22,797.22 |
| 7 | May 1, 2026 | $22,797.22 | $373.04 | $104.49 | $0.00 | $477.53 | $22,424.18 |
| 8 | June 1, 2026 | $22,424.18 | $374.75 | $102.78 | $0.00 | $477.53 | $22,049.43 |
| 9 | July 1, 2026 | $22,049.43 | $376.47 | $101.06 | $0.00 | $477.53 | $21,672.96 |
| 10 | August 1, 2026 | $21,672.96 | $378.19 | $99.33 | $0.00 | $477.53 | $21,294.76 |
| 11 | September 1, 2026 | $21,294.76 | $379.93 | $97.60 | $0.00 | $477.53 | $20,914.83 |
| 12 | October 1, 2026 | $20,914.83 | $381.67 | $95.86 | $0.00 | $477.53 | $20,533.17 |
| 13 | November 1, 2026 | $20,533.17 | $383.42 | $94.11 | $0.00 | $477.53 | $20,149.75 |
| 14 | December 1, 2026 | $20,149.75 | $385.18 | $92.35 | $0.00 | $477.53 | $19,764.57 |
| 15 | January 1, 2027 | $19,764.57 | $386.94 | $90.59 | $0.00 | $477.53 | $19,377.63 |
| 16 | February 1, 2027 | $19,377.63 | $388.71 | $88.81 | $0.00 | $477.53 | $18,988.91 |
| 17 | March 1, 2027 | $18,988.91 | $390.50 | $87.03 | $0.00 | $477.53 | $18,598.42 |
| 18 | April 1, 2027 | $18,598.42 | $392.29 | $85.24 | $0.00 | $477.53 | $18,206.13 |
| 19 | May 1, 2027 | $18,206.13 | $394.08 | $83.44 | $0.00 | $477.53 | $17,812.05 |
| 20 | June 1, 2027 | $17,812.05 | $395.89 | $81.64 | $0.00 | $477.53 | $17,416.16 |
| 21 | July 1, 2027 | $17,416.16 | $397.71 | $79.82 | $0.00 | $477.53 | $17,018.45 |
| 22 | August 1, 2027 | $17,018.45 | $399.53 | $78.00 | $0.00 | $477.53 | $16,618.92 |
| 23 | September 1, 2027 | $16,618.92 | $401.36 | $76.17 | $0.00 | $477.53 | $16,217.56 |
| 24 | October 1, 2027 | $16,217.56 | $403.20 | $74.33 | $0.00 | $477.53 | $15,814.37 |
| 25 | November 1, 2027 | $15,814.37 | $405.05 | $72.48 | $0.00 | $477.53 | $15,409.32 |
| 26 | December 1, 2027 | $15,409.32 | $406.90 | $70.63 | $0.00 | $477.53 | $15,002.42 |
| 27 | January 1, 2028 | $15,002.42 | $408.77 | $68.76 | $0.00 | $477.53 | $14,593.65 |
| 28 | February 1, 2028 | $14,593.65 | $410.64 | $66.89 | $0.00 | $477.53 | $14,183.01 |
| 29 | March 1, 2028 | $14,183.01 | $412.52 | $65.01 | $0.00 | $477.53 | $13,770.48 |
| 30 | April 1, 2028 | $13,770.48 | $414.41 | $63.11 | $0.00 | $477.53 | $13,356.07 |
| 31 | May 1, 2028 | $13,356.07 | $416.31 | $61.22 | $0.00 | $477.53 | $12,939.76 |
| 32 | June 1, 2028 | $12,939.76 | $418.22 | $59.31 | $0.00 | $477.53 | $12,521.53 |
| 33 | July 1, 2028 | $12,521.53 | $420.14 | $57.39 | $0.00 | $477.53 | $12,101.40 |
| 34 | August 1, 2028 | $12,101.40 | $422.06 | $55.46 | $0.00 | $477.53 | $11,679.33 |
| 35 | September 1, 2028 | $11,679.33 | $424.00 | $53.53 | $0.00 | $477.53 | $11,255.33 |
| 36 | October 1, 2028 | $11,255.33 | $425.94 | $51.59 | $0.00 | $477.53 | $10,829.39 |
| 37 | November 1, 2028 | $10,829.39 | $427.89 | $49.63 | $0.00 | $477.53 | $10,401.50 |
| 38 | December 1, 2028 | $10,401.50 | $429.86 | $47.67 | $0.00 | $477.53 | $9,971.64 |
| 39 | January 1, 2029 | $9,971.64 | $431.83 | $45.70 | $0.00 | $477.53 | $9,539.81 |
| 40 | February 1, 2029 | $9,539.81 | $433.80 | $43.72 | $0.00 | $477.53 | $9,106.01 |
| 41 | March 1, 2029 | $9,106.01 | $435.79 | $41.74 | $0.00 | $477.53 | $8,670.22 |
| 42 | April 1, 2029 | $8,670.22 | $437.79 | $39.74 | $0.00 | $477.53 | $8,232.43 |
| 43 | May 1, 2029 | $8,232.43 | $439.80 | $37.73 | $0.00 | $477.53 | $7,792.63 |
| 44 | June 1, 2029 | $7,792.63 | $441.81 | $35.72 | $0.00 | $477.53 | $7,350.82 |
| 45 | July 1, 2029 | $7,350.82 | $443.84 | $33.69 | $0.00 | $477.53 | $6,906.98 |
| 46 | August 1, 2029 | $6,906.98 | $445.87 | $31.66 | $0.00 | $477.53 | $6,461.11 |
| 47 | September 1, 2029 | $6,461.11 | $447.92 | $29.61 | $0.00 | $477.53 | $6,013.19 |
| 48 | October 1, 2029 | $6,013.19 | $449.97 | $27.56 | $0.00 | $477.53 | $5,563.22 |
| 49 | November 1, 2029 | $5,563.22 | $452.03 | $25.50 | $0.00 | $477.53 | $5,111.19 |
| 50 | December 1, 2029 | $5,111.19 | $454.10 | $23.43 | $0.00 | $477.53 | $4,657.09 |
| 51 | January 1, 2030 | $4,657.09 | $456.18 | $21.34 | $0.00 | $477.53 | $4,200.90 |
| 52 | February 1, 2030 | $4,200.90 | $458.27 | $19.25 | $0.00 | $477.53 | $3,742.63 |
| 53 | March 1, 2030 | $3,742.63 | $460.38 | $17.15 | $0.00 | $477.53 | $3,282.25 |
| 54 | April 1, 2030 | $3,282.25 | $462.49 | $15.04 | $0.00 | $477.53 | $2,819.77 |
| 55 | May 1, 2030 | $2,819.77 | $464.61 | $12.92 | $0.00 | $477.53 | $2,355.16 |
| 56 | June 1, 2030 | $2,355.16 | $466.73 | $10.79 | $0.00 | $477.53 | $1,888.43 |
| 57 | July 1, 2030 | $1,888.43 | $468.87 | $8.66 | $0.00 | $477.53 | $1,419.55 |
| 58 | August 1, 2030 | $1,419.55 | $471.02 | $6.51 | $0.00 | $477.53 | $948.53 |
| 59 | September 1, 2030 | $948.53 | $473.18 | $4.35 | $0.00 | $477.53 | $475.35 |
| 60 | October 1, 2030 | $475.35 | $475.35 | $2.18 | $0.00 | $477.53 | $0.00 |