AutoLoanIQ is a free suite of real-time auto finance calculators built for car buyers navigating subprime credit, upside-down trade-ins, and lease decisions. Model your loan payment and APR by exact credit tier, see what rolling over negative equity really costs vs. paying it off, and compare true lease cash outflow against traditional financing side by side. No signup, no static Calculate button — every number updates instantly as you type, and nothing you enter is sold or shared.

Hey Product Hunt! 👋 I built AutoLoanIQ after noticing that most auto loan calculators online assume you have strong credit and a clean trade-in — and fall apart the moment either of those isn't true. Subprime auto loans aren't priced on a smooth curve; they're priced in tiers, and moving just one tier can swing your APR by 5-10+ percentage points. Negative equity from a trade-in doesn't just disappear when you roll it into a new loan — it gets financed at whatever rate that new loan carries. And a lower lease payment doesn't always mean a lower total cost once you factor in residual value and term. AutoLoanIQ has three calculators built specifically around these three decision points — all real-time, no signup required, and nothing you enter is ever sold or shared. Would love your feedback, especially if you've been through subprime financing or a trade-in with negative equity yourself — what's missing that would actually help?