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Use the auto loan calculator to determine what loan amount makes sense with your budget before you even visit a car dealership. Dealers are very good at talking you into more expensive purchases, so remember those calculations. An auto loan calculator is an excellent tool, but it does not replace the need for common sense with regard to your own budget. Car loan delinquencies are on the rise, given the downturn in the economy. Consumers do not have as much disposable income and, often, paying their auto loans is given lower priority than mortgages or utility bills.