---
id: faq-0024
title: "What's included in my monthly payment, and are there extra costs?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlecadillacmchenry.com"
tags: ["financing", "monthly-payment", "costs", "insurance", "taxes"]
questions:
  - "Is insurance included in my payment?"
  - "What other costs should I expect?"
  - "What's not in my monthly payment?"
related: [financing-options, monthly-payment]
dealer: Castle Cadillac McHenry
---

Your monthly payment covers the loan principal and interest. It does **not** include insurance, registration, taxes, or maintenance-those are separate.

**Insurance** is your responsibility and is required by law. **Registration and taxes** are due upfront or built into your deal; our Finance team handles this. **Maintenance** (oil changes, tire rotation, repairs) varies based on your warranty and how you drive-our Service team can help with that.

When our Finance team at (779) 265-4427 quotes your monthly payment, they'll break down exactly what's included and what comes after. We're transparent about the total cost of ownership so there are no surprises. They'll also discuss any service packages or extended warranties that might fit your needs. It's important to understand the full picture, and our team makes sure you do.