Mazda 3 Loan Calculator

Our Loan Calculator display shows you how your Mazda 3 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 3 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.

Mazda 3 Payment & Amortization Calculator

Vehicle Price
$
Trade-In or Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
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.

Mazda 3 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $28,890 $23,112 +$5,778 (20%)
1 $25,192 $19,111 +$6,081 (24%)
2 $23,103 $14,822 +$8,281 (36%)
3 $21,257 $10,222 +$11,035 (52%)
4 $19,663 $5,290 +$14,373 (73%)
5 $18,189 $0 +$18,189 (100%)

Mazda 3 Monthly Payment

Loan Term 60 Months
APR 6.99%
Paid in Full Dec, 2029
$457.54
Total Principal $23,112
Total Interest $4,341
Total Cost of Loan $27,453
$457.54
Loan Term 60 Months
APR 6.99%
Paid in Full Dec, 2029
Total Principal $23,112
Total Interest $4,341
Total Cost of Loan $27,453

Mazda 3 Loan Amortization

Month Interest Principal Balance
Jan, 2025 $134.63 $323.00 $22,789.00
Feb, 2025 $132.75 $325.00 $22,464.00
Mar, 2025 $130.85 $327.00 $22,137.00
Apr, 2025 $128.95 $329.00 $21,808.00
May, 2025 $127.03 $331.00 $21,477.00
Jun, 2025 $125.10 $332.00 $21,145.00

This Mazda 3 is expected to lose $10,701 of its resale value during the 60 months of this loan. Check out our Mazda 3 Depreciation Calculator for a detailed analysis of the 3's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the 3 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best 3 model years to buy to get the best value.

Other Mazda 3 Costs of Ownership

Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major Mazda 3 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:



Related Articles

1 in 3 Drivers Are Underwater, Most Overestimate Their Car's Value

Cheatsheet: How to Finance a Car Like a Pro

How To Refinance A Car Loan: Save Money In 5 Easy Steps

CarEdge Insights
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Total For Sale & Total Sold
Market Days Supply
And more!
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Market Days Supply
Total For Sale & Total Sold
And more!

Other Mazda Models

x
Sign up for our free newsletter
By signing up, you agree to CarEdge's Privacy Policy and Terms & Conditions.