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Car Finance Calculator

A simple tool to estimate what your car loan repayments could look like based on the loan amount, interest rate, and term.

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Estimated monthly repayment

$701

Total repayments: $42,080

Total interest: $7,080

Important notice

This calculator provides estimates only and is not a quote, loan offer, or financial advice. It does not include fees, charges, or lender-specific criteria. Actual repayments may differ. Speak with a licensed credit provider before making any decisions.

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Start with a quick eligibility check and a trusted finance specialist will compare rates and repayments from multiple lenders.

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How loan amount affects repayments

A larger loan amount generally means higher repayments and more interest paid over the life of the loan. A deposit or trade-in can reduce the amount you need to borrow.

How interest rate affects cost

The interest rate is one of the biggest factors in the total cost of a loan. A lower rate can mean lower repayments and less total interest, but it is only one part of the comparison. Fees and charges also matter.

How loan term affects repayments

A longer loan term usually means lower regular repayments, but you may pay more interest over time. A shorter term can reduce total interest but increase each repayment.

What is a comparison rate?

A comparison rate includes the interest rate plus most fees and charges, expressed as a single percentage. It can help you compare the overall cost of different loans, but it is based on a standard example and may not reflect your exact situation.