2558 yuan. The loan interest rate is calculated at 4.75%, and the calculation formula is: 100000 times 0.04754 divided by 12 equals 2558 yuan. Under normal circumstances, after the user applies for a car loan, the monthly payment is the principal+interest. The interest rate of car loan will vary according to the loan period applied for. According to the car loan interest rate of China Bank, the car loan for 1 year is 3.85%, and that for five years or more is 4.65%.