The interest amount of car loan depends on the loan amount, term and execution interest rate. According to the information you provided, if the loan is150,000, the loan term is three years, and the annual interest rate is 5.25%, then the total interest is calculated as follows:

Interest = loan principal × annual interest rate × loan life =150,000 yuan ×5.25%×3 years = 23,625 yuan.

Monthly payment includes the allocation of principal and interest, in which the calculation formula of monthly payment is: monthly payment = (loan principal+total interest) ÷ loan months. Specific to this example, the monthly payment =( 150000 yuan +23625 yuan) ÷36 months =4822 yuan, and the remainder is 33 yuan. Therefore, the first monthly payment of 4,822 yuan plus 33 yuan is 4,855 yuan. Since the second month, the monthly payment has remained unchanged at 4822 yuan.