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Minor mistakes can add up to large variations in the amount of your monthly auto payment. When you do not know the exact answer, estimate conservatively. For instance, if you do not know exactly how much interest you are likely to pay, estimate your interest a little high. If you do not know exactly how large a down payment you will be able to put down, estimate the amount a little low. Experiment with the loan calculator, entering a longer or shorter loan term, a higher or lower interest rate, more or less of a down payment, and so forth.