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Calculate a Car Loan with Bi-weekly Payments Instead of Monthly

Six Minutes. Smarter. 32 views

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@brazibeatz5187
 i would love a link to thie spreadsheet to see with my numbers
Comment from : @brazibeatz5187


@jusaverage6347
 i don't understand why you wouldn't just take half of the monthly total and make that your bi-weekly payments seems like you'd shoot yourself in the foot trying to calculate what to pay based on the 26 payment calculations you're doing in this example bc like you said you would possibly come up short on some months that pay 2x vs 3x in one month
Comment from : @jusaverage6347


@Under_PressureSW
 I’ve been paying bi weekly for 6 months and just looked at my account and they’re taking interest out of both payments Not just my interest rate but they’re taking almost triple my interest My payment is 600 and I paid 328 last week and they took $180 for interest and $120 toward principal Freaking ridiculous!
Comment from : @Under_PressureSW


@bowl300nk6
 Ralph could you please let us download your excel sheet? How is the monthly payment calculated? How is the finance cost calculated?
Comment from : @bowl300nk6


@FF-xl7yw
 Your math is incorrect You did NOT take into account the fact that you will save more as you are making 1/2 month earlier so 15 days interest won't be charged
Comment from : @FF-xl7yw


@OfficiallyTonyGianni
 Its after 1am i probably shouldn't be trying to do advanced math but im trying to find a bimonthly calculator my payment is due on the 11th on my new car I will make the first payment slightly over the amount due on the 1st and i plan to do bimonthly payments of the 1st and the 15th i will start my first bimonthly payment on the 15th of the same month i made the over full payment ensuring that the second payment on the first makes a complete agreed payment by the 11th my finance company has this caveat "Funds received in exccess of the total amount due will reduce your principal balance and also be applied to future payment(s) " This makes me believe that they apply it to the principal but as bait to discourage you saving interest they apply it to future payments hoping you'll take advance of the cheaper payment that month how do i do bimonthly or do you have a link for a good one?
Comment from : @OfficiallyTonyGianni


@thisisshauna6986
 My car payment is due on the 7th of each month If I pay bi weekly, ( on the 1st and the 15th) will my payment be considered late ?
Comment from : @thisisshauna6986


@sassouusasoo3607
 Thanks !This helped alot
Comment from : @sassouusasoo3607


@ngee4925
 Very cool, thank you Ralph
Comment from : @ngee4925


@100XPercentX
 I LOVE RALPH HES SO INTELLIGENT AND IM THANKFUL FOR THE KNOWLEDGE YOU SHARE
Comment from : @100XPercentX

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