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You can calculate different financial models using an auto loan calculator. Use the auto loan calculator to determine what loan amount makes sense with your budget before you even visit a car dealership. Do not be talked into something you cannot afford, no matter how sweet the deal seems. An auto loan calculator is an excellent tool, but it does not replace the need for common sense with regard to your own budget. Car loan delinquencies are on the rise, given the downturn in the economy.