Calcula tu crédito automotriz
Calcula el Costo Anual Total (CAT) de tu crédito automotriz a partir de la mensualidad, o la mensualidad a partir de la tasa anual. La calculadora suma el IVA del 16% sobre los intereses y calcula el CAT sin IVA, como lo exige Banxico.
La calculadora está en inglés; tu navegador puede traducirla al español con un clic.
Car loan rules in Mexico
- Lenders advertise a nominal annual rate (tasa anual sin IVA) and must also show the CAT, an all-in effective annual cost including fees and insurance, calculated without IVA (Banxico).
- IVA of 16% is charged on the interest of car loans to individuals, so your actual payment is higher than the rate alone suggests. The calculator adds it to the payment and leaves it out of the CAT, as the law requires.
- Banks must accept early payments on consumer credit when you are up to date and apply them to the principal (Banxico Circular 16/2007), and in practice there is no penalty.
Sources: Banxico: what is the CAT · Banxico Circular 16/2007. Rules checked October 2026.
How to use this calculator
Choose Find my CAT and enter the price, your down payment, the term and the monthly payment from your offer. The calculator works backward to the CAT that lenders in Mexico must disclose, and shows the same loan as a nominal rate and an effective rate. Choose Find my payment to turn a quoted rate into a monthly payment. All figures are in MXN and you can switch country at the top of the page.
Frequently asked questions
What is the CAT?
The Costo Anual Total is the all-in effective annual cost of a loan, including fees and insurance, calculated without IVA as Banxico requires.
Can I pay my car loan early in Mexico?
Yes. Banks must accept early payments when you are up to date and apply them to the principal, and in practice there is no penalty.
¿Qué es el CAT?
El Costo Anual Total es el costo efectivo anual del crédito, incluyendo intereses, comisiones y seguros, calculado sin IVA. Sirve para comparar créditos.
¿Se cobra IVA en un crédito automotriz?
Sí. A las personas físicas se les cobra 16% de IVA sobre los intereses, por eso la mensualidad es mayor de lo que indica la tasa.