auto loans payment calculator

asmadmin — Sun, 07 Mar 2010 23:15:07 +0000

Is this legal????

My car Loan Company (HSBC Auto) is not adjusting my monthly payment accordingly. I recently made a payment(Principle only) to pay down my car and have a lower monthly premium. My loan maturity date is in May 2010. The principle amount is at $1512 and my rate is 7.9% and they say my monthly payment is $287.06? They said they calculate the monthly payment by P x R /365 days. That still doesn’t compute. I asked them to adjust my monthly payment according to my maturity date. The monthly amount I’m suppose to pay is $68.31.(used bankrate.com auto calculator)

They said that they “can’t” and “will not adjust” my monthly loan payment. At their monthly amount I’m going to pay this off early. I don’t want to do that. I’m tight on cash now and would like to pay accordingly.

Is it legal for them to make me pay off me loan early? What steps do you think i should take to get this corrected?

I agree with the first response–that your laon contract commits to a flagt monthly rate until all of the principal is paid off.

You do have the option to refinance the loan – this would allow you to borrow money to finish paying off the loan (from another company) and you would then pay interest to them instead.

Otherwise, you are legally obligated to continue the original monthly payments stipulated under the loan agreement.

4carsok.com Auto loan calculator. Auto loan payment calculator.

Sharp EL-738C 10-Digit Financial Calculator

$25.01

Sharp EL-738C Business/Financial Calculator EL-738C Calculators…

Compucessory Financial Calculator

$19.99

0.62″ Height x 5″ Width x 3.12″ Length 1 x CR2032 10 Character – LCD 28956 10-digit financial calculator is ideal for business, financial, statistical and time/data management. More than 120 built-in functions include TVM (loans and savings); amortization; bond price and yield to maturity; SL, DB, SOYD depreciation methods; register-based cash flow analysis NPV, IRR; memory for 20 cash flows; percent change and percent of total. Statistical functions include: standard deviation; mean; weighted mean; linear regression; forecasting; correlation coefficient; cumulative statistical analysis; total sigma; x; x 2; sigma y; y2; sigma xy; and logarithms. Calculator also features auto shutoff, date arithmetic and keystroke programming up to 99 steps. Calculator runs on a Maxell CR2032 battery. Auto Power OFF Battery Business/Financial Calculator Compucessory Financial Calculator Not Applicable Silver www.compucessory.com

HP 2CPT Financial Calculator

$95.99

1 Line x 10 Character – LCD 1 Year Limited 1 x CR2032 130 15.52 oz 20 2CPT 2CPT Financial Calculator 5.10″ x 3.10″ x 0.60″ 2CPT Financial Calculator 1 x CR2032 Battery Mean Function Undo Function Loan Calculation Function Finance Function Algebraic Function Standard Deviation Function Statistic Entry Modes Function Programming Function Forecasting Function Date Arithmetic Function Reverse Polish Notation Function Interest Rates Conversion Function Depreciation Function Percent Change Function Weighted Mean Function Linear Regression Function Correlation Coefficient Function Mortgage Payment Calculation Function Cumulative Statistical Analysis Function Platinum financial calculator with 20 registers features more than 130 built-in functions and allows 30 different cash flows for internal rate of return and net present values. Calculate loan and mortgage payments, convert interest rates, and figure bond prices and yields. Through keystroke programming, enter up to 400 keystrokes into memory and then execute with the push of a single button. Functions include RPN, algebraic, programming, finance and statistic entry modes. Other functions include depreciation, percent change, cumulative statistical analysis, standard deviation, mean, weighted mean, linear regression, forecasting, correlation coefficient, date arithmetic, undo, backspace keys, and power off memory protection. Calculator has a 1 line x 10 character, liquid crystal display (LCD). The enclosure material is made of plastic and brush aluminum, and the key tops are made of plastic. Calculator runs on one CR2032 (included). Aluminum Auto Power OFF Battery Business/Financial Calculator HP Hewlett-Packard Plastic Platinum Power OFF Memory Protection www.hp.com

HP 12c Platinum Financial Calculator

$79.99

1 Line x 10 Character – LCD 1 Year Limited 1 x Button Cell 12c Platinum 12c Platinum Financial Calculator 130 2 Year – When used 1 hour per day 12c Platinum Financial Calculator Battery User Manual Anniversary Edition Leather Pouch Solutions Handbook CPU: 6502 Mode Selection: Reverse Polish Notation Algebraic Programming Finance Statistic Time and Date Management: Date arithmetic Editing Features: Undo Backspace keys Business/Finance Features: TVM (loans, savings and leasing) Amortization Bond price and yield to maturity Cash flow analysis NPV IRR Memory for up to 80 cash flows SL, DB, SOYD depreciation methods % change % of total Statistical Functions: Cumulative statistical analysis Standard deviation, mean, weighted mean Linear regression Forecasting, correlation coefficient Total, Sx, Sx2, Sy, Sy2, Sxy2 +, -, x, , %, 1/x, , LN, ex, n! The HP 12c Platinum is a powerful tool capable of handling the most complex and detailed financial calculations. Users of the HP 12c Platinum will enjoy the flexibility this calculator offers with both RPN and algebraic modes of entry, the increased memory capacity and the more-than 130 built-in functions. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams, and GARP FRM Exam. Auto Power OFF Battery Business/Financial Calculator F2231AA#ABA HP Hewlett-Packard Power OFF Memory Protection www.hp.com

Victor Desktop Calculator

$31.99

0% 1.75″ Height x 5.75″ Width x 7.88″ Depth 12 Character 6500 Grand Total Tax Square Root Percent Delta Percent Rounding Decimal Selector Desktop calculator offers a 12-digit display and a special feature called Loan Wizard. Input any three loan variables to compute the fourth. You have the option to change payment periods per year. Functions include a three-key independent memory, grand total and tax keys, square root, percent and delta percent keys, rounding and decimal selector switches. Calculator runs on solar and battery power (one AA battery). Casing is made of plastic. Battery China Desktop Calculator Independent Memory No Not Applicable Plastic Enclosure Silver Simple Calculator Solar Victor Victor Technology www.victortech.com

Sharp EL233SB Pocket Calculator

$2.99

1.20 oz 2.25″ Width x 3.75″ Depth 8 Character – LCD EL233SB Pocket Calculator LR1130 Battery Three-key Memory Square Root Percent Eight-digit wallet calculator features a large LCD screen, plastic case, and durable plastic keys. Functions include three-key memory, percent, square root, percent keys and automatic power off. Battery-powered calculator weighs 1.2 oz. LR1130 battery is included. Auto Power OFF Battery Big Display EL233SB EL233SB Pocket Calculator Gray Plastic Button Sharp Sharp Electronics Simple Calculator White www.sharpusa.com

HP 12c Financial Calculator

$78.99

1 Line x 10 Character – LCD 1 Year Limited 120 12C 12C#ABA 12c Financial Calculator 20 5″ x 3.10″ x 0.60″ 12c Financial Calculator User’s manual Batteries Synthetic leather pouch Business/Financial: TVM (loans,savings, and leasing) Amortization Bond price and yield to maturity Register based cash flow analysis NPV, IRR Memory for 20 cash flows SL, DB, SOYD depreciation methods % change, % of total Statistical/Mathematical: Cumulative statistical analysis Std. deviation, mean, weighted mean Linear regression Forecasting, correlation coefficient Total, Sx, Sx², Sy, Sy², Sxy +, -, *, Ö, ÷, 1/x, ±, In, ex, LOG, 10x, x² Time and Data Management: Date arithmetic Features: Entry-system logic More memory-storage registers Efficient RPN data entry reduces the number of keystrokes Memory capacity: 99 steps Keystroke programming The HP 12C RPN financial calculator is a tested performer suited for business and finance. Battery Business/Financial Calculator HP Hewlett-Packard www.hp.com

Sharp VX792C Desktop Calculator

$29.99

12 Character – LCD 5.13″ x 8.21″ x 0.81″ 9.60 oz Tax keys with rate set and rate recall Answer check function Auto replay 12-digit desktop calculator offers dual-power super check and correct variable-tilt display. Desktop calculator features four-key memory, tax keys with rate set and rate recall, answer check function, and auto replay. Dual power source includes solar and battery. Battery Gray Sharp Sharp Electronics Simple Calculator Solar VX VX792C VX792C Desktop Calculator www.sharpusa.com

L.R. Primary Calculator (Set/10)

$44.95

Perfect for independent math practice, Primary Calculator. Bright blue calculator is both solar and battery powered. Students can start with basic math operations and work their way up to percents and square roots. The 4 function calculator includes a 3 key memory, auto shut off, and an 8 digit display. Buy the set and save!

Sharp EL244TB Pocket Calculator

$6.99

0.41″ Height x 2.38″ Width x 4.13″ Depth 8 Character – LCD Tax Percentage Three Key Memory Dual-power pocket calculator features a large 8-digit, liquid crystal display (LCD); extra-large plus key; and hard cover. Function includes three-key memory; tax keys; PC touch keys; and percent. Calculator automatically switches off and runs on battery and solar power. Auto Power OFF Battery EL244TB EL244TB Pocket Calculator Not Applicable Sharp Sharp Electronics Simple Calculator Solar www.sharpusa.com

Auto Safety Magnets for Student Drivers » payment

auto loans payment calculator