Automotive Calculators
Vehicle Loan-to-Value Calculator
Enter your loan balance and vehicle's current value to calculate your loan-to-value ratio.
80.0%
Low — you have positive equity
Loan-to-value = loan amount ÷ vehicle value × 100. Above 100% means you're "underwater" — if you sold or totaled the vehicle, the payout wouldn't fully cover the loan balance.
How to use this tool
- 1Enter your remaining loan balance.
- 2Enter your vehicle's current market value.
- 3See your loan-to-value ratio.
Frequently asked questions
Why does LTV matter?+
An LTV over 100% means you're 'underwater' — you owe more than the vehicle is worth, which matters a lot if it's totaled or you want to sell or trade it in.