Financing
Total of payments
The total of payments is the sum of every monthly payment over the full loan term. It equals the monthly payment multiplied by the number of months. Comparing total of payments — not just the monthly payment — shows the true cost of one finance offer versus another. Details may vary by lender and contract.
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Lotly provides educational information, document organization, calculations, and negotiation-drafting assistance. It is not legal, tax, investment, financial, credit, or lending advice. We do not determine whether any charge is lawful or whether any offer is appropriate for you. Confirm all vehicle condition, availability, incentives, fees, financing, lease terms, and contract documents directly with the dealer and relevant professionals before signing.