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Calculators that show the whole picture.
Work out repayments, compare a car loan with your home loan, see what a lump sum does, and estimate business tax deductions. Type your own numbers or use the sliders. When you’re ready, a broker can talk you through the best option for you.
RepaymentsWhat a vehicle or asset loan could cost each month, fortnight or week.Car loan or add it to your home loan?Borrowing for a car: a separate car loan vs topping up your home loan.Lump sum off home loanLower repayments or a shorter loan: see the difference.Pay cash or finance it?Keep your cash working or spend it? Compare the two.Business tax estimateEstimate interest and depreciation deductions for a business vehicle.What’s a comparison rate?See how fees change the real cost of a loan.
Repayment calculator
Enter the vehicle price, any deposit or trade-in, and the loan details. Add any fees you’ve been quoted to see the full repayment. Type an amount or use the sliders.
The vehicle
What you’re getting for your current vehicle, after paying out any finance owing on it.
The loan
years
% p.a.
Enter the rate you’ve been offered, or try a few to compare.
% of price
Optional lump sum due at the end. Lowers repayments, but you’ll owe it when the loan ends.
Most consumer car loans are paid in arrears. Many commercial loans, such as chattel mortgages and leases, are paid in advance, with the first repayment due at settlement.
Fees and costs (optional)
Anything else you choose to finance, such as a warranty, insurance or on-road costs.
Charged once by the lender to set up the loan. Usually added to the loan, so interest is charged on it too.
A fee some dealers or brokers charge for arranging the finance. Not always charged. Usually added to the loan.
A small government fee to register the lender’s security over the vehicle. Usually added to the loan.
$a month
The lender’s monthly fee, charged every month of the loan on top of the repayment.
Estimated monthly repayment, paid in arrears
$912.44
$421.13 a fortnight · $210.56 a week
Vehicle price$45,000
Less deposit− $0
Less trade-in− $0
Plus fees added to the loan+ $0
Plus other costs+ $0
Amount financed$45,000
Term5 years (60 months)
Repayments paidIn arrears (first due after one month)
Interest rate used8.00%
Balloon at end$0
Total interest$9,746
Total fees$0
Total repaid incl. balloon$54,746
What the fees are Establishment fee: the lender’s one-off set-up fee. Origination fee: a fee a dealer or broker may charge for arranging the loan. PPSR fee: the government charge to register the lender’s security over the vehicle. Account-keeping fee: the lender’s monthly fee. Not every loan has every fee. See how fees change the real cost.
Fee amounts vary by lender, dealer and broker and are not always charged; enter the figures from your quote. Repayments assume one-off fees are added to the loan, a fixed rate for the whole term and monthly repayments. Payment timing (in advance or in arrears), balloons and structured payments depend on the lender and loan type, are not always available and are subject to lender approval; your actual repayments will be set out in your loan contract. General information only. These figures are estimates based on the numbers you enter and the assumptions shown. They are not a quote, an offer of credit, or financial, tax or legal advice, and they don’t take your objectives, financial situation or needs into account. Actual rates, fees, repayments and eligibility depend on the lender and your circumstances. Consider whether any option is right for you and seek your own independent advice before deciding. Credit services are provided by eCarz Finance Pty Ltd, Australian Credit Licence 518268.
Speak to a broker
Every situation is different. Talk it through with one of our brokers and we’ll find the best outcome for you, free and with no obligation.
We’ll include your calculator figures so your broker is ready.
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Credit services provided by eCarz Finance Pty Ltd ABN 71 617 296 241, Australian Credit Licence 518268. Part of the eCarz Group.