§ Tool · tier 1 · independent
Car Loan Calculator.
Calculate your car loan repayments, total interest, and compare loan terms
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Planning to buy a car? Use our calculator to work out your repayments based on the vehicle price, deposit, interest rate, and loan term. See how different options affect your budget.
§ Worked examples
Real-world scenarios
New SUV Purchase
Sarah is buying a $45,000 SUV with $10,000 deposit at 7.5% over 5 years.
Inputs
price:45,000deposit:10,000rate:7.5term:5
Loan amount: $35,000. Monthly payment: $701. Total interest: $7,060. Total cost: $42,060.
Budget Used Car
Tom needs a reliable $18,000 used car with $3,000 deposit at 9% over 3 years.
Inputs
price:18,000deposit:3,000rate:9term:3
Loan amount: $15,000. Monthly payment: $477. Total interest: $2,172. Paid off quickly!
§ FAQ
Questions Australians ask
§ GlossaryBalloon Payment A large final payment due at the end of your loan, reducing regular repayments but requiring a lump sum. Secured Car Loan The car is used as security for the loan, typically offering lower interest rates. Comparison Rate A rate that includes the interest rate plus most fees, giving a truer cost comparison. On-Road Costs Additional costs like registration, stamp duty, dealer delivery, and CTP insurance.