Car loan calculators
Car loan calculators for Australian buyers: repayments, balloon payments, novated leases, EV loans, new vs used, trade-ins and total cost of ownership.
15 calculators, free and with no sign-up. Every result shows its working.
What would the car cost a month?
The car loan calculator's working. Put in the rate from the quote you have.
- Deposit $5,000
- Borrowed $35,000
- Interest $7,080
What the car costs you in all, before fees and running costs.
Where most people start
Car Loan Calculator
Repayments and total interest, with or without a balloon
Car Affordability Calculator
The car price your income, running costs and spending limit support
Novated Lease Calculator
The tax saved and the net cost of salary packaging a car
Balloon Payment Calculator
How a balloon lowers repayments, and what's left to pay at the end
All 15 calculators, by what they answer
What car can I afford?
- Car Loan CalculatorRepayments and total interest, with or without a balloon
- Car Affordability CalculatorThe car price your income, running costs and spending limit support
- Total Cost of Ownership CalculatorEverything a car costs to own: finance, fuel, insurance and servicing
- New vs Used Car CalculatorA new car against a used one, over the years you'd keep it
- Electric Vehicle (EV) Loan CalculatorAn electric car's loan and running costs against a petrol car's
Which kind of finance?
- Car Loan Comparison CalculatorUp to three car loan offers side by side, fees included
- Dealer Finance vs Bank Loan CalculatorA dealer's finance offer against a loan from a bank or credit union
- Balloon Payment CalculatorHow a balloon lowers repayments, and what's left to pay at the end
- Lease vs Buy CalculatorThe cost of leasing a car against buying it outright
- Novated Lease CalculatorThe tax saved and the net cost of salary packaging a car
- Chattel Mortgage CalculatorBusiness car repayments, the GST credit and the tax deductions
The car and loan you have now
- Trade-In Value CalculatorWhat your trade-in is worth and how it changes the new loan
- Car Depreciation CalculatorWhat your car is likely to be worth in the years ahead
- Car Loan Early Payout CalculatorWhat paying out your car loan early saves, and what it costs
- Car Loan Refinance CalculatorWhat moving your car loan to a lower rate saves
Every lender's lowest car loan rate today
Read from each institution on 7 November 2026The figures in full
As of 7 November 2026, the lowest car loan rate from a bank or lender is 5.74%, from Westpac's Car Loan, while the typical best across 42 institutions is 6.99%. The lowest carmaker finance rate is 2.70%, from Chery Motor Finance's Chery 4.46% EV Comparison Rate Offer, while the typical best across 12 institutions is 4.99%.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- Where can I see current car loan rates?
- The car loan rates page on this site lists the rates banks, lenders and carmakers' finance companies publish under the Consumer Data Right, with comparison rates and fees. The rate you're offered depends on the lender's assessment of you, the car and the loan. Open the Car Loan Calculator
- What fees should I look for when comparing car loans?
- Establishment fees (from the lender and sometimes from the dealer or broker), monthly account fees, and fees for extra repayments or paying out early. ASIC's 2026 review found total fees could be significant, particularly on smaller loans. Open the Car Loan Comparison Calculator
- How much of my income should go to car costs?
- There's no official rule. The calculator lets you set your own limit and checks it against the cash you actually have left after expenses. A lender will assess your income, expenses and debts when you apply, and may lend less than this calculator shows. Open the Car Affordability Calculator
- Is it worth paying off my car loan early?
- It saves interest at the loan's rate, so compare the saving with any early repayment fee, and with paying off higher-rate debts or keeping an emergency buffer first. Open the Car Loan Early Payout Calculator