.gm-finance-calculator-container {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 600px;
margin: 0 auto;
background: #f8f9fa;
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.1);
border: 1px solid #e0e0e0;
}
.gm-finance-calculator-container h2 {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
}
.gm-calc-form-group {
margin-bottom: 20px;
}
.gm-calc-form-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: #495057;
}
.gm-calc-input-wrapper {
position: relative;
}
.gm-calc-input-wrapper input {
width: 100%;
padding: 12px 15px;
border: 1px solid #ced4da;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.2s;
}
.gm-calc-input-wrapper input:focus {
border-color: #0056b3;
outline: none;
}
.gm-calc-btn {
width: 100%;
background-color: #003369; /* GM Financial Blue-ish tone */
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.2s;
margin-top: 10px;
}
.gm-calc-btn:hover {
background-color: #002244;
}
.gm-calc-results {
margin-top: 30px;
background: #ffffff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #003369;
display: none;
}
.gm-calc-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 12px;
padding-bottom: 12px;
border-bottom: 1px solid #eee;
}
.gm-calc-result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.gm-calc-result-label {
color: #6c757d;
font-size: 15px;
}
.gm-calc-result-value {
font-weight: bold;
color: #212529;
font-size: 16px;
}
.gm-highlight-value {
color: #003369;
font-size: 24px;
}
.gm-disclaimer {
font-size: 12px;
color: #868e96;
margin-top: 20px;
line-height: 1.4;
}
GM Financial 84-Month Estimator
Estimated Monthly Payment (84 Months):
–
Net Amount Financed:
–
Total Finance Charges (Cost of Credit):
–
Total Cost (Vehicle + Financing):
–
*Calculations are estimates for hypothetical 84-month financing scenarios. Actual APR and terms depend on creditworthiness and current GM Financial offers. Does not include title or registration fees.
function calculateGMPayment() {
// Get inputs by ID exactly
var priceInput = document.getElementById("vehiclePrice");
var upfrontInput = document.getElementById("upfrontPayment");
var taxInput = document.getElementById("taxRate");
var aprInput = document.getElementById("financeAPR");
var termInput = document.getElementById("termLength");
var resultsDiv = document.getElementById("gmResults");
// Parse values
var price = parseFloat(priceInput.value);
var upfront = parseFloat(upfrontInput.value) || 0;
var taxRate = parseFloat(taxInput.value) || 0;
var apr = parseFloat(aprInput.value);
var months = parseFloat(termInput.value);
// Validation
if (isNaN(price) || isNaN(apr)) {
alert("Please enter a valid Vehicle Price and APR.");
return;
}
// Calculations
var salesTaxAmount = price * (taxRate / 100);
var totalWithTax = price + salesTaxAmount;
var amountFinanced = totalWithTax – upfront;
if (amountFinanced <= 0) {
alert("Upfront payment covers the total cost. No financing needed.");
return;
}
var monthlyRate = apr / 100 / 12;
var monthlyPayment = 0;
var totalInterest = 0;
if (apr === 0) {
monthlyPayment = amountFinanced / months;
totalInterest = 0;
} else {
// Formula: P = (r * PV) / (1 – (1 + r)^-n)
var mathPow = Math.pow(1 + monthlyRate, -months);
monthlyPayment = (monthlyRate * amountFinanced) / (1 – mathPow);
totalInterest = (monthlyPayment * months) – amountFinanced;
}
var totalCost = upfront + (monthlyPayment * months);
// Display Results
document.getElementById("monthlyPaymentResult").innerHTML = "$" + monthlyPayment.toFixed(2);
document.getElementById("financedAmountResult").innerHTML = "$" + amountFinanced.toFixed(2);
document.getElementById("totalInterestResult").innerHTML = "$" + totalInterest.toFixed(2);
document.getElementById("totalCostResult").innerHTML = "$" + totalCost.toFixed(2);
// Show results div
resultsDiv.style.display = "block";
}
Understanding GM Financial 84-Month Financing
When shopping for a new General Motors vehicle—whether it's a Chevrolet, GMC, Cadillac, or Buick—buyers often encounter various financing term options. The 84-month auto loan has become increasingly relevant as vehicle prices rise and buyers seek to maintain manageable monthly cash flow. This calculator helps prospective buyers estimate their commitments specifically under an extended 7-year term structure typically offered by lenders like GM Financial.
The Math Behind 84-Month Terms
Extending a finance contract to 84 months (7 years) significantly alters the amortization schedule compared to standard 48 or 60-month terms.
- Lower Monthly Obligation: By spreading the principal balance over 84 payments, the mandatory monthly outflow is reduced, allowing buyers to opt for higher-trim vehicles or preserve monthly liquidity.
- Higher Total Finance Charges: The trade-off for lower payments is a longer period of accruing finance charges. As shown in the calculation results, the "Total Finance Charges" on an 84-month contract are substantially higher than shorter terms because the APR is applied to the balance for two to three additional years.
- APR Sensitivity: Long-term financing is highly sensitive to the Annual Percentage Rate (APR). Even a small increase in APR can add thousands of dollars to the total cost over 7 years.
How to Use This Estimator
This tool is designed to model the specific dynamics of a 7-year financing agreement.
- Vehicle Purchase Price: Enter the negotiated price of the car, truck, or SUV before tax.
- Trade-In & Cash Contribution: Combine your cash deposit and the net value of any trade-in vehicle. This reduces the "Net Amount Financed," which is critical for lowering interest costs on long terms.
- Sales Tax Rate: Enter your local state and county sales tax percentage. This is added to the loan balance if not paid upfront.
- Annual Percentage Rate (APR): Enter the rate you expect to qualify for. GM Financial rates vary based on credit tier (e.g., Prime vs. Subprime) and current incentive programs.
Considerations for GM Financial Customers
While 84-month loans offer affordability, buyers should be aware of "negative equity." Because the vehicle depreciates faster than the loan balance is paid down (due to the slow repayment schedule), you may owe more than the car is worth for a longer period compared to a 60-month loan. It is often recommended to make a larger upfront contribution when opting for an 84-month term to offset this gap.