Terms of Use
Effective date: April 19, 2026
Please read these Terms of Use carefully before using CarPaymentGuide.com. By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this site.
1. Acceptance of terms
By accessing CarPaymentGuide.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy. These terms apply to all visitors and users of the site.
2. Description of service
CarPaymentGuide.com provides a free online auto loan payment calculator for general informational and educational purposes. The tool allows users to estimate monthly car payments based on inputs including vehicle price, trade-in value, down payment, interest rate, loan term, sales tax, and fees. The service is provided as-is and at no charge to users.
3. Accuracy disclaimer — not financial advice
The results generated by this calculator are estimates only and are intended solely for general planning and informational purposes. They are not a substitute for professional financial or legal advice. Specifically:
- Results are not a lender quote, financing offer, credit approval, or dealership offer.
- Actual loan payments may differ based on your lender’s terms, your credit profile, local tax laws, and dealer-specific fees.
- We do not guarantee that results will match any specific lender, dealer, or state tax calculation.
- You should consult a licensed financial advisor before making any significant financial decision, including a vehicle purchase or loan agreement.
4. Intellectual property
All content on CarPaymentGuide.com, including but not limited to text, graphics, HTML, CSS, JavaScript, and the calculator tool itself, is the property of CarPaymentGuide.com and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without express written permission.
5. User conduct
By using this site, you agree not to:
- Use the site for any unlawful purpose or in violation of any applicable laws or regulations.
- Attempt to gain unauthorized access to any part of the site or its infrastructure.
- Use automated tools, bots, scrapers, or crawlers to extract data from this site beyond normal search engine indexing.
- Interfere with or disrupt the site’s operation or servers.
- Misrepresent results generated by this tool in a misleading or fraudulent manner.
6. Disclaimer of warranties
This site and all content and tools provided on it are offered on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
7. Limitation of liability
To the fullest extent permitted by applicable law, CarPaymentGuide.com and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of, or inability to use, this site or its content, even if advised of the possibility of such damages. This includes but is not limited to financial losses, decisions made based on calculator estimates, or data loss.
8. Governing law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Delaware.
9. Changes to these terms
We reserve the right to update or modify these Terms of Use at any time. When changes are made, we will update the effective date at the top of this page. Your continued use of the site after any changes constitutes your acceptance of the revised terms. We encourage you to review this page periodically.
10. Contact
If you have any questions about these Terms of Use, please contact us at: