Typical Monthly Payment
You pay about $1,060 to $1,110 per month on a 2025 Acura MDX A-Spec with 20% down. This covers a 72-month loan at around 6% APR in Tempe, AZ (ZIP 85281). It includes taxes and common fees.
How We Calculated It
We start with the $72,000 MSRP. Your 20% down payment equals $14,400. That leaves $57,600 to finance before taxes and fees. At 6% APR over 72 months, this equals about $955 per month.
Tempe adds 8.6% sales tax. Dealers charge a $499 doc fee and about $650 for title and registration. Most buyers finance $64,900 total. That brings the payment to about $1,075 per month at 6% APR. Your rate depends on credit.
Sample payments at 72 months:
| Scenario | Key Inputs | Amount Financed | Monthly at 6% APR |
|---|---|---|---|
| Before taxes and fees | $72,000 MSRP, $14,400 down | $57,600 | ~$955 |
| With Tempe taxes and fees | 8.6% tax, $499 doc, $650 title/reg | $64,900 | ~$1,075 |
Rate Impact
Credit changes your APR and payment:
- Excellent credit at 5.5% APR: about $1,060 per month with taxes and fees.
- Average credit at 7.0% APR: about $1,110 per month with taxes and fees.
Ways to Lower Your Payment
- Add more down: Every $1,000 extra cuts the payment by $16 to $18 on a 72-month loan.
- Shop rates: Drop 1% APR and save $25 to $30 per month.
- Negotiate price: Cut $1,000 off MSRP to save $16 to $18 per month.
- Trade in: Use equity as extra down payment.
- Extend term: 84 months lowers monthly cost but adds interest. Use it wisely.
Other Costs to Budget
- Insurance: MDX A-Spec owners pay $150 to $250 per month for full coverage. Costs vary by driver and location.
- Fuel and maintenance: At 19 mpg combined, fuel runs about $150 per month. Maintenance adds a bit over time.
Taxes, fees, and rates vary by dealer and credit. Sidekick uses local data and real lender rates to show your exact payment in minutes.