Hyundai Sonata Loan Calculator

Our Loan Calculator display shows you how your Hyundai Sonata 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 Sonata 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.

Hyundai Sonata Payment & Amortization Calculator

Vehicle Price
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Trade-In or Down Payment
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Interest Rate
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Credit Score
Loan Period
Sales Tax Rate
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Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form
Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

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.

Hyundai Sonata Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $30,904 $30,904 $0 (0%)
1 $24,933 $25,554 -$621 (-2%)
2 $22,387 $19,817 +$2,570 (11%)
3 $20,270 $13,667 +$6,603 (33%)
4 $19,661 $7,073 +$12,588 (64%)
5 $16,679 $0 +$16,679 (100%)

Hyundai Sonata Monthly Payment

Loan Term 60 Months
APR 6.99%
Paid in Full Feb, 2030
$611.79
Total Principal $30,904
Total Interest $5,804
Total Cost of Loan $36,708
$611.79
Loan Term 60 Months
APR 6.99%
Paid in Full Feb, 2030
Total Principal $30,904
Total Interest $5,804
Total Cost of Loan $36,708

Hyundai Sonata Loan Amortization

Month Interest Principal Balance
Mar, 2025 $180.02 $432.00 $30,472.00
Apr, 2025 $177.50 $434.00 $30,038.00
May, 2025 $174.97 $437.00 $29,601.00
Jun, 2025 $172.43 $439.00 $29,162.00
Jul, 2025 $169.87 $442.00 $28,720.00
Aug, 2025 $167.29 $444.00 $28,276.00

This Hyundai Sonata is expected to lose $14,225 of its resale value during the 60 months of this loan. Check out our Hyundai Sonata Depreciation Calculator for a detailed analysis of the Sonata's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Sonata has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Sonata model years to buy to get the best value.

Other Hyundai Sonata Costs of Ownership

Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major Hyundai Sonata 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:

Hyundai Sonatas For Sale

2019 Hyundai Sonata SE

Mileage: 89,523
Mileage: 89,523     Price: $13,380
Location: Sterling, VA ~ 3 miles away
Dealer: Autonation Honda Dulles
Days on Market: 314
Colors (ext/int): Symphony Silver / Gray

$13,380


2022 Hyundai Sonata SEL

2022 Hyundai Sonata SEL

Mileage: 64,679
Mileage: 64,679     Price: $17,499
Location: Sterling, VA ~ 4 miles away
Dealer: Enterprise Car Sales Sterling
Days on Market: 102
Colors (ext/int): White / Gray

$17,499


2021 Hyundai Sonata SEL

Mileage: 31,672
Mileage: 31,672     Price: $20,750
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 221
Colors (ext/int): Calypso Red(Red) / Black

$20,750




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