CAR LOAN CALCULATOR
Plan your repayments with more confidence.
Experiment with different figures and repayment frequencies to understand how changes in the loan amount, term and illustrative rate affect the estimate.
✓Clear steps. No pressure.
PLAN YOUR BUDGET
Illustration onlyFind your repayment comfort zone.
Move the sliders and see how your repayments could change.
$25,000
$3,000$100,000
5 years
1 year7 years
12.0% p.a.
5%25%
Choose a hypothetical rate to compare scenarios. This is not a quoted or advertised lender rate.
YOUR ESTIMATED REPAYMENT$—
Estimated total interest$—
Estimated total repaid$—
Enquire about finance Estimates use a fixed illustrative interest rate and exclude setup fees, account fees, insurance and other charges. Actual rates, approval and repayments depend on the lender.GOOD TO KNOW
How to use your estimate.
These figures use a standard principal-and-interest amortisation formula. They are examples, not credit quotes. Establishment charges, loan-management fees, balloon payments and other costs are not included.
More about eligibility ↗Things worth considering
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A longer loan term can reduce instalments but increase total interest
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Your actual rate and terms are set by the lender
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Only a formal lending offer can confirm your repayments
FREQUENTLY ASKED QUESTIONSHave questions?
Have questions?
You're in the right place.
Helpful answers to common car finance questions.
See all FAQs ↗Does checking my options mean I am approved?+
No. Sending an enquiry is not approval or pre-approval. A lender decides whether to offer finance after its own assessment.
Can I finance a used vehicle?+
Finance may be available for eligible used vehicles, depending on the lender, the vehicle and your circumstances.
Can I buy from a private seller?+
Some lenders consider private-sale purchases. You may need additional information and vehicle checks.
How do the repayment estimates work?+
Our calculator uses an illustrative annual interest rate and term to estimate principal and interest repayments. It does not include lender fees or other costs.
Will an enquiry affect my credit score?+
Submitting the initial enquiry on this website does not itself initiate a credit bureau check. A lender may request consent to complete a credit check later in the application process.
Do you charge a broker fee?+
Fees, if any, must be explained before you proceed. Check the financial disclosure page and ask our team for details relevant to your application.