Ford Ranger Loan Calculator

Our Loan Calculator display shows you how your Ford Ranger loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your Ranger to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly.

Ford Ranger Payment & Amortization Calculator

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tip: Update the price if you change the model year.      reset this form
$0$5k$10k$15k$20k$25k$30k$35k$40k$45k01234567Projected Resale ValueBalance Exceeds ResaleBalance Near ResaleBalance Below ResaleVehicle Age in YearsFord Ranger Resale Value vs Loan BalanceFord Ranger Resale vs Balance
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Refinancing an Auto Loan

Refinancing an auto loan means taking out a new loan to replace your current one, usually to get a lower interest rate or better terms. This can lower your monthly payments or save you money on interest over time. It's a good option if your credit score has improved or if interest rates have gone down, but it's important to make sure the benefits outweigh the costs. Use the form below to see the best rates available from reputable lenders instantly.

Ford Ranger Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $44,237 $35,390 +$8,847 (20%)
1 $38,902 $30,470 +$8,432 (22%)
2 $38,199 $25,194 +$13,005 (34%)
3 $35,394 $19,538 +$15,856 (45%)
4 $35,345 $13,472 +$21,873 (62%)
5 $32,665 $6,970 +$25,695 (79%)
6 $20,473 $0 +$20,473 (100%)

Ford Ranger Monthly Payment

Loan Term 72 Months
APR 6.99%
Paid in Full Feb, 2031
$603.19
Total Principal $35,390
Total Interest $8,036
Total Cost of Loan $43,426
$603.19
Loan Term 72 Months
APR 6.99%
Paid in Full Feb, 2031
Total Principal $35,390
Total Interest $8,036
Total Cost of Loan $43,426

Ford Ranger Loan Amortization

Month Interest Principal Balance
Mar, 2025 $206.15 $397.00 $34,993.00
Apr, 2025 $203.83 $399.00 $34,594.00
May, 2025 $201.51 $402.00 $34,192.00
Jun, 2025 $199.17 $404.00 $33,788.00
Jul, 2025 $196.82 $406.00 $33,382.00
Aug, 2025 $194.45 $409.00 $32,973.00

This Ford Ranger is expected to lose $23,764 of its resale value during the 72 months of this loan. Check out our Ford Ranger Depreciation Calculator for a detailed analysis of the Ranger's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Ranger has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Ranger model years to buy to get the best value.

Other Ford Ranger Costs of Ownership

Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major Ford Ranger costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

Ford Rangers For Sale

2003 Ford Ranger XLT

Mileage: 155,043
Mileage: 155,043     Price: $9,995
Location: Columbus, OH ~ 4 miles away
Dealer: Paley Auto Group
Days on Market: 62
Colors (ext/int): Beige / Tan

$9,995


2021 Ford Ranger XL

Mileage: 54,164
Mileage: 54,164     Price: $15,995
Location: Columbus, OH ~ 4 miles away
Dealer: Paley Auto Group
Days on Market: 210
Colors (ext/int): Black / Black

$15,995


2004 Ford Ranger

Mileage: 111,550
Mileage: 111,550     Price: $4,995
Location: Columbus, OH ~ 4 miles away
Dealer: Flag Motors Ltd
Days on Market: 20

$4,995




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