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Calculate loan payments, determine if a low rate or cash back is better, explore purchase or lease options and more with our auto financial calculators.


Get answers to your auto financing questions.

  • Calculate a Vehicle Payment

    Calculate the monthly payment for an auto loan based on the net purchase price of the vehicle, the loan term and the interest rate for the loan.

  • Low Rate or Cash Back?

    Vehicle manufacturers or dealers will often offer incentives to purchase a vehicle in the form of a low rate loan or a cash back incentive. Evaluate which option is best.

  • Compare Monthly Payment by Term

    The term of your vehicle loan can make a big difference in what your monthly payment looks like. It can also have significant impact on the amount of interest you'll pay over the course of the loan.

  • Vehicle Affordability by Term

    The purchase price of the vehicle you can afford is based on several factors, including the monthly payment you can afford to make, your down payment, net value of any vehicle you'll be trading in and any rebates or cash back offers available from the dealer or manufacturer.

  • Compare Two Vehicle Loans

    As you determine which vehicle to buy and which loan terms to choose, the choices you make can have a big difference in terms of what your monthly payments will be and what the costs of the loan will be once the loan is paid off.

  • Gas Mileage Savings with a Fuel Efficient Vehicle

    As the price of gasoline continues to rise, the question often arises as to whether it makes financial sense to trade-in a 'gas guzzler' for a more fuel-efficient vehicle. There are many factors that go into that decision, including the cost of the new vehicle, the amount of miles you drive and the cost of fuel.

  • Purchase or Lease a Vehicle

    Does it make better sense to buy or lease a new vehicle? That depends on a number of factors, such as the residual value of the car you intend to purchase, the amount of money you pay up front as a capitalized cost reduction and the cost of financing.















Financial calculators powered by Fintactix.

The calculators on this page are provided as a resource to help evaluate lending and other products. The information that these calculators provide is an estimate for illustrative purposes only, and Columbia Bank does not guarantee the accuracy of the information provided. We encourage you to consult a qualified financial professional with questions about personal or business finance.

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Umpqua Bank is the successor in interest to Columbia State Bank, doing business as Columbia Bank. You are now banking with Umpqua Bank. Deposits formerly held at Columbia Bank are not separately insured. These deposits are subject to Umpqua Bank’s FDIC deposit insurance coverage.