FOR IMMEDIATE RELEASE
Contact: The Agency LLC · contact@myautoloanpayment.com · theagencyllc.net
The monthly payment is only part of the price — this one shows the rest before you sign
SNOHOMISH, Wash. — October 21, 2026 — The Agency LLC today announced the launch of MyAutoLoanPayment.com, a free suite of ten auto loan calculators that shows car buyers what a vehicle really costs — payment, total interest, taxes, and fees — before they sit down at the dealership.
Most auto loan calculators online answer one question: the monthly payment. But the payment is the number dealers want buyers focused on, because a longer term can make an expensive loan look cheap. MyAutoLoanPayment was built to show the whole picture. Its core calculator returns the monthly payment, total interest, total cost, and a full amortization schedule from the price, down payment, trade-in, term, and APR. Nine companion tools cover the rest of the buying decision: buy-versus-lease, affordability, refinance savings, side-by-side loan comparison, early payoff, the hidden money factor in a lease quote, the true out-the-door price, five-year cost of ownership head-to-head, and a month-by-month timeline showing when a loan stops being underwater.
The out-the-door and ownership tools run on researched data for all 50 states — vehicle sales tax, documentation-fee caps, gas prices, and average insurance costs — so a buyer in Florida and a buyer in Oregon each see costs shaped by where they actually live. Every calculation runs entirely in the visitor's own web browser: no account, no sign-up, and the numbers they type never leave their device.
Every calculator on the site was exercised end-to-end in a full quality pass before this announcement, including the benchmark case: a $30,000 loan at 6% APR for 60 months returns $579.98 a month and about $4,799 in total interest — the textbook answer, to the cent.
“A monthly payment can hide a lot of expensive decisions,” said Matt Williams, founder of The Agency LLC. “Stretch the term and the payment drops while the interest quietly grows by thousands. We built the tool that shows both numbers at once, with your own state's taxes and fees in it — so you walk into the dealership already knowing what the car costs, not just what the payment sounds like.”
MyAutoLoanPayment is the second release in a planned portfolio of free, single-purpose calculator sites from The Agency, following MyTakeHomePaycheck.com. Each site is built around one question people genuinely ask — and designed to be found and understood the way people search now, by asking a plain question and expecting a straight answer.
About MyAutoLoanPayment.com
MyAutoLoanPayment.com is a free suite of ten auto loan calculators — loan payment with amortization, buy vs. lease, affordability, refinance, loan comparison, early payoff, lease money-factor checker, out-the-door price, true cost of ownership, and an underwater-loan timeline — built on researched tax, fee, fuel, and insurance data for all 50 states. It requires no account or sign-up, and all calculations are performed in the visitor's browser. Learn more at https://myautoloanpayment.com.
About The Agency LLC
The Agency LLC, based in Snohomish County, Washington, builds AI phone systems, websites, search visibility, and custom software for small businesses nationwide. The Agency believes the way customers find businesses is changing — people ask, and AI answers — and builds every product for where customers are going, with honest pricing and verifiable claims. Learn more at https://theagencyllc.net.
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