2015–2025 by year
Educational estimate only, not a dealer, lender, or insurance quote. CarAllIn is supported by ads; see the Disclosure.
Where these defaults come from
What the default represents. The price loaded here is the 2026 Civic Sedan LX MSRP plus the manufacturer's destination charge, a planning number, not a dealer quote. The MPG is that trim's EPA combined rating. Higher trims, other drivetrains, used cars, and out-the-door prices differ. Replace the price and MPG with the figures for the car you're pricing.
Quick answer. A used Honda Civic's monthly payment depends mostly on the price of that model year, your down payment, loan term and APR. Enter those in the calculator above to see an estimate for 2015–2025 models, then add insurance, fuel and maintenance for the all-in monthly cost. Estimates, not quotes.
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The Year field in the calculator is a label. The price you enter is what changes the payment. A 2018 Civic and a 2021 Civic with the same price, down payment, APR, and term have the same loan payment. This page doesn't publish used-Civic prices by year. Used prices depend on mileage, trim, condition, and location, and no official source publishes them. Start from the amount you'd actually finance, then use the year tables below for what does differ by year: EPA fuel economy (which drives the fuel line) and official safety ratings.
Amount financed = price − down payment. The APR is the site's 6.9% example rate, not a market rate or a quote.
| Amount financed | 36 months | 48 months | 60 months | 72 months |
|---|---|---|---|---|
| $10,000 | $308/mo | $239/mo | $198/mo | $170/mo |
| $15,000 | $462/mo | $358/mo | $296/mo | $255/mo |
| $20,000 | $617/mo | $478/mo | $395/mo | $340/mo |
| $25,000 | $771/mo | $597/mo | $494/mo | $425/mo |
Estimates, not quotes. Loan payment only, using the calculator's standard amortizing formula and rounded to the dollar. These are planning estimates, not quotes. The amounts financed are round example inputs, not Civic market prices. Enter your own price, down payment, and APR above.
For a new Civic: Honda lists the 2026 Civic Sedan LX at $24,695 starting MSRP, plus a $1,295 destination charge, for $25,990. With $0 down, the 6.9% example APR, and 60 months, the estimated loan payment is about $513 a month. MSRP excludes tax, license, registration, destination, and accessories. Premium colors add $455, and dealer prices may vary. Source: Honda, 2026 Civic Sedan, checked Oct 20, 2026.
Use these official figures for the MPG input and as a starting point for research. The ranges cover the versions EPA lists for that year (coupe, sedan, hatchback, manual and automatic, and Si, Type R, and hybrid where offered). Pick your exact version on fueleconomy.gov.
| Year | EPA combined MPG (range of listed versions) | Common automatic sedan | NHTSA overall (4-door) | IIHS award (4-door sedan) |
|---|---|---|---|---|
| 2015 | 25–44 (Hybrid 44; HF 34). Natural-gas version listed separately. | 1.8L automatic: 32–33 | 5 stars (2-door: 4 stars) | Top Safety Pick |
| 2016 | 30–35 (2-door and 4-door listed) | 2.0L CVT: 34 · 1.5L turbo CVT: 35 | 5 stars | Top Safety Pick+ |
| 2017 | 25–36 (adds hatchback, Si, Type R) | 2.0L CVT: 34 · 1.5L turbo CVT: 36 | 5 stars | Top Safety Pick |
Estimates, not quotes. Official ratings, not prices.
| Year | EPA combined MPG (range) | Common automatic sedan | NHTSA overall (4-door) | IIHS award (4-door sedan) |
|---|---|---|---|---|
| 2018 | 25–36 | 2.0L CVT: 34 · 1.5L turbo CVT: 36 | 5 stars | None shown |
| 2019 | 25–36 | 2.0L: 32–33 · 1.5L turbo: 33–36 (by transmission listing) | 5 stars | None shown |
Estimates, not quotes. Official ratings, not prices.
| Year | EPA combined MPG (range) | Common automatic sedan | NHTSA overall (4-door) | IIHS award (4-door sedan) |
|---|---|---|---|---|
| 2020 | 25–36 | 2.0L: 32–33 · 1.5L turbo: 33–36 | 5 stars | Top Safety Pick |
| 2021 | 25–36 (4-door and hatchback only; no coupe listed) | 2.0L: 32–33 · 1.5L turbo: 33–36 | 5 stars | Top Safety Pick |
Estimates, not quotes. Official ratings, not prices.
| Year | EPA combined MPG (range) | Common automatic sedan | NHTSA overall (4-door) | IIHS award (4-door sedan) |
|---|---|---|---|---|
| 2022 | 29–36 | 2.0L: 33–35 · 1.5L turbo: 34–36 | 5 stars | Top Safety Pick+ |
| 2023 | 24–36 | 2.0L: 33–35 · 1.5L turbo: 34–36 | 5 stars | Top Safety Pick |
| 2024 | 24–36 | 2.0L: 33–35 · 1.5L turbo: 34–36 | 5 stars | Top Safety Pick |
| 2025 | 24–49 (hybrid sedan 49, hybrid hatchback 48) | 2.0L: 34–36 · Hybrid: 49 | 5 stars (hybrid sedan too) | Top Safety Pick |
Estimates, not quotes. Official ratings, not prices.
Sources for every row, all checked Oct 20, 2026:
IIHS award criteria change from year to year, so an award in one year isn't comparable to another year's. Awards may apply only to some trims, builds, or headlights, not every version of that year's Civic. Check the IIHS page for the year and trim you're looking at. The 2027 Civic isn't on fueleconomy.gov yet. Honda lists a 32/41 city/highway rating for the 2027 Civic Sedan and 50 city/47 highway for the hybrid. Honda has not published a combined EPA figure for 2027 on that page. Source: Honda, 2027 Civic Sedan, checked Oct 20, 2026.
What MPG does to the fuel line (planning estimate): at 12,000 miles a year and EIA's U.S. average regular price for the week of Oct 12, 2026 ($4.331 a gallon, checked Oct 20, 2026), the fuel line is about $173 a month at 25 MPG, $135 at 32 MPG, $120 at 36 MPG, and $88 at 49 MPG. Your miles and local price will differ. Source: EIA weekly gasoline prices.
Before buying any used Civic, check the VIN for open safety recalls with NHTSA's recall lookup.
There's no right amount for everyone, and this page doesn't recommend one. A down payment:
Example: 10% vs. 20% down on a $20,000 used Civic price (6.9% example APR). Prices are example inputs, not market prices.
| Down payment | Amount financed | 48 months | 60 months |
|---|---|---|---|
| $0 | $20,000 | $478/mo | $395/mo |
| 10% ($2,000) | $18,000 | $430/mo | $356/mo |
| 20% ($4,000) | $16,000 | $382/mo | $316/mo |
Estimates, not quotes. Loan payment only. Planning estimates, not quotes. Then check the calculator's "Loan left" line at the year you might sell, and compare it with what a Civic of that age might sell for. If the loan left is higher, you'd need cash to cover the gap.
Sources: CFPB, How does a down payment affect my auto loan?, checked Oct 20, 2026.
Two loans can have similar payments and very different totals. On a $20,000 amount financed at the 6.9% example APR, 72 months lowers the payment to about $340 a month, compared with $395 over 60 months. But it adds a year of payments and keeps you owing more for longer. The CFPB notes that a longer loan means paying more interest over the life of the loan. Used-car loans can also carry different rates than new-car loans, so price the APR from your own offer. See what a longer loan term really costs and same payment, different cost.
The calculator adds four lines: loan, insurance, fuel, and other (maintenance and registration ÷ 12, plus extras like parking or tolls).
For the full method, see the true cost of car ownership. To set a budget first, see how much car you can afford. To compare, run the same budget on a Toyota Corolla total cost of ownership or a Honda CR-V total cost of ownership.
Run the same budget on another model to see how the all-in number changes:
Why two cars with the same payment can cost different amounts: same payment, different cost. The full method: the true cost of car ownership.
It depends on the price you pay, not the year. For example, financing $15,000 at the 6.9% example APR over 60 months is about $296 a month. Enter your own price, down payment, APR, and term above. For fuel, EPA rates most 2018 automatic sedans at 34–36 MPG combined. 2018 details. Planning estimate, not a quote.
Enter the listing price, your down payment, APR, and term. The math is the same for every year. The 2015 Civic lineup ranges from 25 to 44 MPG combined, including a hybrid. 2015 details.
Same method: price minus down payment, at your APR and term. EPA's 2017 listings add the hatchback, Si, and Type R to the coupe and sedan, with combined ratings from 25 to 36 MPG. 2017 details.
Use your actual price and loan offer above. EPA lists 2019 Civics at 25–36 MPG combined, and NHTSA rates the 4-door 5 stars overall. 2019 details.
It's set by price, down payment, APR, and term. As an example, $20,000 financed at 6.9% over 72 months is about $340 a month. Planning estimate only. 2020 details.
Enter your numbers above. EPA's 2021 listings cover the sedan and hatchback only (no coupe), at 25–36 MPG combined, and NHTSA rates the 4-door 5 stars overall. 2021 details.
There's no single number. As an example, Honda's 2026 Civic Sedan LX starting MSRP plus destination ($25,990, checked Oct 20, 2026), with $0 down, the 6.9% example APR, and 60 months, comes to about $513 a month for the loan alone. Insurance, fuel, and upkeep come on top.
There's no required or recommended amount on this page. A larger down payment lowers what you borrow, may lower your rate (CFPB), and lowers the chance of owing more than the car is worth. Try a few amounts above and watch the Loan and Loan left lines.
It's the loan plus insurance, fuel, maintenance, and registration, minus what the car is worth when you sell. The calculator's "Net after resale" line estimates that for the years you keep it.
This page is an educational estimate. It's not a dealer quote, a lender's loan disclosure, or an insurance binder. MSRPs exclude tax, license, registration, destination, and accessories, and dealer prices vary. CarAllIn is supported by ads; see the Disclosure.