Car loan calculator
Estimate your car loan repayments and total interest, with or without a balloon payment at the end.
Before you sign at the dealership
- Rates depend on your credit history, income and the age of the car. Older used cars often attract higher rates.
- Fees aren't included here. Ask for the comparison rate and all fees before you compare offers.
- A balloon has to be paid, refinanced or covered by selling the car when the loan ends.
- Business buyers may be better off with a chattel mortgage. Talk to your accountant.
More in Car Finance Explained: What You Need to Know Before You Sign.
Important: This calculator gives estimates only, for general information. It isn't credit advice and doesn't take into account your objectives, financial situation or needs, or any particular lender's credit policy. Results rely on the figures you enter and the assumptions described on this page, and actual rates, fees, government charges and lending decisions will differ. Talk to Claire before making a decision.
More calculators
Borrowing power
Estimate how much you could borrow based on your income, expenses and debts.
Loan repayments
Work out your repayments, total interest, and how much extra repayments save.
Stamp duty & buying costs
Estimate stamp duty and the upfront costs of buying in VIC, NSW or QLD.
Refinance savings
See what a lower rate could save you, and how quickly switching costs pay off.
Compare two loans
Put two loans side by side, fees included, to see which really costs less.
Are you ready for a home loan?
Answer eight quick questions to see how ready you are to apply.
Want real numbers from real lenders?
Calculators are a starting point. Claire compares options across her panel of lenders and works out what you can actually get.