Top calculators for truck loans

Buying a truck is a huge investment, whether it is for personal or commercial use. Before purchasing a new or used truck, utilizing a loan calculator to get an estimate of the monthly payment is an excellent way to invest well. Buying a truck without first calculating the loan and loan payments will leave the buyer frustrated and unprepared instead of enjoying a brand new truck.

Personal Truck Loan Calculator

Bankrate.com

Bankrate.com allows users to compare and estimate rates on everything from mortgage payments to credit cards. Fortunately, they do estimate auto loans, letting the user select their product and the length of the loan.

Cars.com

This website lets their users input much more data about the car, like the trade-in value and the current interest rate, to determine the monthly payment. Although it is designed for cars, this tool will work well for calculating a personal truck loan.

Loan-Calculators.com

In addition to a simple loan calculator, they also provide their users with suggestions as to where to find a truck loan. As an additional bonus, their loan calculator shows an amortization table.

Bank of America Corporation

Bank of America's mortgage calculator is clean and simple. After a car payment is calculated, a user can also discover how much they can comfortably afford and if they could save money by refinancing.

Online Loan Calculator

This calculator is exactly what it claims to be. It is simple and a bit out of date, but does allow users to calculate a loan payment, factoring in things like the loan term and trade-in value.

Commercial Truck Loan Calculators

Commercial Truck Trader

This loan payment calculator may be simple, but the rest of the website provides features like a price checker and a link to industry resources.

Commercial Truck Finance Calculator

This loan calculator is much more comprehensive than others on this list. It offers to include details like a down payment, trade in amount, and the amount owed on a trade. The loan summary is extensive and includes graphs to sum up the information.

Freightliner Trucks

The website for Freightliner Trucks may be a little crowded, but they do offer quite a few options for calculating payments and how much of a truck is affordable for the buyer. They also offer financing for owner-operators and fleets, and ways to purchase trucks through their company.

New England Truckmaster

This is the most simple loan calculator on the list. It asks for three simple things: the loan amount, the loan term and the APR (interest rate). Based on these, it will process a basic payment amount for the buyer.

Each of these websites will provide a potential truck buyer with a basic loan calculation for a truck, but a few of them go above and beyond. When purchasing a new or used truck, using a loan calculator to plan payments is a smart and worthwhile move. All the calculators listed are free and easy to access online, so being prepared to purchase has never been simpler.

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Potholes: They’re Back and They’re Bad

Potholes have returned, and hitting one with your car can do a real number on tires, wheels, steering and suspension, and alignment. To help determine if hitting a pothole has damaged your vehicle, the Mobile Lube Guys reminds you to watch for these warning signs:

• Loss of control, swaying when making routine turns, bottoming out on city streets or bouncing excessively on rough roads are indicators that the steering and suspension may have been damaged. The steering and suspension are key safety-related systems. Together, they largely determine your car’s ride and handling. Key components are shocks and/or struts, the steering knuckle, ball joints, the steering rack/box, bearings, seals and hub units and tie rod ends.

• Pulling in one direction, instead of maintaining a straight path, and uneven tire wear, are symptoms of an alignment problem. Proper wheel alignment is important for the lifespan of tires and helps ensure safe handling.

• Low tire pressure, bulges or blisters on the sidewalls, or dents in the wheel rim will be visible and should be checked out as soon as possible, as tires are the critical connection between your car and the road.

“Don’t look now, but you’re probably about to hit another pothole,” said Rich White, executive director, Car Care Council. “If you’ve hit a pothole, it can be difficult to know if your vehicle has been damaged in the process. Have a professional technician check out the car and make the necessary repairs to ensure safety and reliability.”

Potholes occur when water permeates the pavement – usually through a crack – and softens the soil beneath it, creating a depression in the surface of the street. Many potholes appear during winter and spring months because of freeze-thaw cycles, which accelerate the process. Potholes can also be prevalent in areas with excessive rainfall and flooding.

Join us on social! World Pothole Day is March 25, 2015. #WorldPotholeDay

The Car Care Council is the source of information for the “Be Car Care Aware” consumer education campaign promoting the benefits of regular vehicle care, maintenance and repair to consumer.

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The best used cars for every budget

If you're just beginning your quest for a used car, you already know that the list of things to consider seems endless. The best place to start is budget. Once you know what you're willing to spend, the elimination process has already begun. Here are some good bets for every budget:

Less than $10,000

Scion xB (2004-06)

The boxy look of this car isn't for everyone, but it's a good choice for city driving, and the older models actually boast better MPG than the newer ones. The interior has a level of detailing rarely seen in this price range. Bonus: Keyless entry.

Hyundai Sonata (2007-08)

In the mid-2000s, Hyundai did a lot of work to increase the quality of its vehicles. This effort shows with the Sonata: it's a solid bet. And because Hyundai wasn't yet in the ranks of its Japanese competitors, they charged lower prices for comparable cars. Those prices still hold up in the used market.

Honda Civic (2001-06)

This is a good choice whether you want a sedan, coupe or hatchback; the civic comes in all three forms. It has good fuel economy and a reputation for reliability. There's also a hybrid version, but be wary of hybrids that have accumulated high mileage -- the cost of battery failure isn't worth it.

$10,000 to $15,000

Kia Soul (2010-12)

If you want a small car that is roomy and comfortable, check out the Kia Soul. The Kia supports some neat features like UVO voice command to control entertainment and communication. It also boasts a 20-mpg city and 36-mpg highway rating -- impressive for a car its size.

Mazda 3 (2009-12)

Mazda redesigned this car in 2008 and came up with a stronger engine and a wider exterior. Like the Kia, it's a roomy small ride. This car is responsive; the driver feels in control. You can choose between sedan or hatchback.

Toyota Rav 4 (2006-08)

If you're looking for an SUV, go for the Toyota Rav 4. It has a third row seat, but the car doesn't feel overwhelmingly large. It was the first in its class when it debuted in 1994 and has since inspired similar cars from Ford and Subaru. The Rav 4 still holds up.

$15,000 to $20,000

Acura TL (2004-08)

The sporty Acura TL is a good bet if you're looking for some luxury with a budget. It has 250 horsepower and the reliability that consumers have come to expect from every Honda division.

Lexus RX (2004-09)

The midsize RX is another good option for luxury on a budget, and there's the option for a hybrid system. Like the Acura TL, it has a reputation for reliability. The 2010 model brought about a higher mpg rating, but stick with earlier models if you want to stay within budget.

Ford Fusion (2012-13)

The Fusion is a sleek sedan and a good choice if you're looking for lots of back seat room. It has two fueling options: the hybrid EcoBoost engine and the hybrid plug-in. Both forms won it the title of Green Car of the Year in 2012.

$20,000 to $25,000

Audi A4 (2009-11)

A used Audi 4 is a great option for those looking for their first luxury car. It has a powerful engine but is also fuel efficient. The Audi is known for its attention to interior detail. A convertible model is also available.

Volvo XC60 (2011)

The XC60 has many features to boast about, but the best is its five star crash safety rating. Other features include pedestrian detection and SiriusXM radio. The XC60 is a dependable choice for snowy winters.

Cadillac DTS (2011)

The list of fun features that the DTS includes (such as sun room, parking sensors, and heated seats) seems endless. The trade-off is a 15 mpg rating for city driving and 23 mpg on the highway. This car is a good choice as long as you're not planning to accumulate those miles too quickly.

Everyone has different priorities when looking for a used car. These cars are well-rounded and certainly worth a test drive.

6 best luxury used cars

Having the comfort of a luxurious car is a dream come true. Even though some people may not be able to pay for a brand-new one, there is always the option of buying a used car. They are cheaper and just as elegant and comfortable as the new ones. Here's a list of the 6 best luxury used cars that can be found in the market.

2014 INFINITI Q50

It may not be an athletic sports sedan, but it's got a powerful V6 engine that gets about 20/29 mpg city/highway and a high-tech interior. The 2014 Infiniti Q50 has an automatic transmission with seven speeds, offering quick and smooth shifts. This car's well-built cabin is made of either aluminum or wood trim, designed with soft-touch surfaces, and it is equipped with an easy-to-use high-tech dual-screen infotainment system.

Average Price: $34,000 - $44,000

2014 AUDI A5

Despite the 2014 Audi A5's lack of power and of sharp handling, this car is a nice ride with an interior of high quality. Its engine is turbocharged, with four cylinders. It also comes with a manual transmission with six speeds, though there is an option of eight speeds. The 2014 Audi A5 gets 22/32 mpg city/highway, which is a great rate for the class. In addition, other optional devices can be installed, such as a backup camera, parking sensors and a system that monitors blind spots.

Average Price: $20,000 - $35,000

2011 LEXUS GS 460

Metaphorically speaking, the 2011 Lexus GS 460 is like that straight "A" student in the class, which explains why it has been the dream of consumers for over 20 years. It is about the same size as the ES 350, but offers rear-wheel-drive and costs more. This ride includes a 4,6L V-8 342hp engine, an automatic transmitter with eight speeds and with Overdrive, ABS in the four wheels, airbags for the driver, front and back passengers and for the knees. Its wheels are made of aluminum, 18" each.

Average Price: $19,000 - $35,000

2010 CADILLAC CTS

Critics were first captivated by this car when it was first released. They said that the ride, handling and interior of the car were just as great as the German and Japanese competitors. It has a 3L V6 engine that can be 270 or 304 horsepower, depending on the needs of the buyer. It's also got automatic transmission and gets 18/27 mpg, in general.

Average Price: $15,500 - $25,000

2010 AUDI A4

This is the car for anyone who's looking for a combination of a high-quality interior, a demeanor that combines a great sporty suspension with a comfortable ride and agile handling. The 2010 Audi A4 received great reviews on its safety, being named an IIHS Top Safety Pick. Its four-cylinder engine is 211 horsepower which gets 23/30 mpg. It is an automatic car with six speeds.

Average Price: $17,000 - $22,000

2008 BMW 3 Series

The combination of a world-class performance and a mid-size luxurious sedan, the 2008 BMW 328i offers an excellent driving experience wherever it is, combining safety with a sleek exterior. It was redesigned to have a more powerful engine and to gain cleaner lines in 2006. The 10 Best Cars rank of Car and Driver listed the 2008 BMW 17 consecutive times, a record for the magazine. According to them, despite the efforts of many different carmakers, BMW was the only one to put great attributes together successfully.

Average Price: $11,900 - $21,000.