2024 Lexus IS 500 — Financing

Lexus IS 500 Loan Calculator

Our Loan Calculator display shows you how your Lexus IS 500 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 IS 500 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.

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01Vehicle

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02Loan terms

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03Vehicle details

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Payment Summary

Lexus IS 500 Monthly Payment

Estimated monthly payment

$1,395.29

for 60 months at 8.99% APR

Per payment to principal

$1,120.52

Per payment to interest

$274.76

Where your money goesover 60 months

Principal: $67,231
Interest: $16,486

80% of every payment goes toward equity in the IS 500; the rest is interest.

Loan Term: 60 mo
Total Principal: $67,231
APR: 8.99%
Total Interest: $16,486
Paid in Full: May 2031
Total Cost of Loan: $83,717

Resale vs. loan balance

Lexus IS 500 Projected Resale Value vs Loan Balance

Each year’s bar is colored against the Lexus IS 500’s projected resale value: green when the loan is below resale, yellow when balance is close, and red when you’d owe more than the Lexus IS 500 is worth.

Year	Resale Value	Loan Balance	Difference
0	$62,833	$67,231	-$4,398 (-7%)
1	$62,833	$56,080	+$6,753 (11%)
2	$59,559	$43,884	+$15,675 (26%)
3	$56,625	$30,545	+$26,080 (46%)
4	$51,536	$15,956	+$35,580 (69%)
5	$47,225	$0	+$47,225 (100%)
6	$44,404	$0	+$44,404 (100%)
7	$41,074	$0	+$41,074 (100%)
8	$37,995	$0	+$37,995 (100%)
9	$37,342	$0	+$37,342 (100%)
10	$34,338	$0	+$34,338 (100%)

Amortization Schedule

Lexus IS 500 Loan Amortization

5 years · 60 payments · $1,395.29/mo

Month	Interest	Principal	Balance
Jun, 2026	$503.67	$891.61	$66,339.70
Jul, 2026	$496.99	$898.29	$65,441.41
Aug, 2026	$490.27	$905.02	$64,536.39
Sep, 2026	$483.49	$911.80	$63,624.59
Oct, 2026	$476.65	$918.63	$62,705.96
Nov, 2026	$469.77	$925.51	$61,780.45
Dec, 2026	$462.84	$932.45	$60,848.00
Jan, 2027	$455.85	$939.43	$59,908.57
Feb, 2027	$448.82	$946.47	$58,962.10
Mar, 2027	$441.72	$953.56	$58,008.54
Apr, 2027	$434.58	$960.70	$57,047.83
May, 2027	$427.38	$967.90	$56,079.93
Jun, 2027	$420.13	$975.15	$55,104.78
Jul, 2027	$412.83	$982.46	$54,122.32
Aug, 2027	$405.47	$989.82	$53,132.50

This Lexus IS 500 is expected to lose $15,608 of its resale value during the 60 months of this loan. Check out our Lexus IS 500 Depreciation Calculator for a detailed analysis of the IS 500’s past and expected future depreciation. This user-friendly tool allows you to interactively see how well the IS 500 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best IS 500 model years to buy to get the best value.

Lexus IS 500 Loan Calculator

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Lexus IS 500 Projected Resale Value vs Loan Balance

Lexus IS 500 Loan Amortization

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