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Finance Australia Vehicle Lease Repayment Calculator

Use this calculator to calculate the monthly lease payments for a motor vehicle. Compare various car leasing interest rates, loan terms and residual/balloon payments.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Car Lease Details:

Remember to make allowance for any relevant tax, stamp duty, registration, insurance or other costs to be included in the loan where applicable.
Enter whole numbers only please, no dots, commas etc.

The Residual (or Balloon) represents the amount due for repayment at the end of the Loan Term.

A large Residual will mean lower monthly payments but at a greater cost over the term.


% of Purchase Price
Select the number of years over which you would repay the loan.

A longer Loan Term will mean lower monthly repayments but at a higher cost overall.

The options below are indicative of what lenders currently offer.

Years
Select an interest rate for the calculator simulation.
The range of rates listed below are representative of those currently available.

Your actual rate can only be confirmed after you apply.


% per Annum
calculate
car lease Repayment & Amortisation Calculator

Important!

Car Lease Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Car Lease Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

car lease Repayment & Amortisation Calculatorcar lease Repayment & Amortisation Calculator

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Australia's housing market is set to experience further growth in 2026, with economists forecasting a 5% increase in home prices. This follows an 8.6% rise in 2025, marking the strongest annual growth since 2021. The anticipated growth is driven by a combination of factors, including ongoing supply constraints and robust population growth. - read more
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In December 2025, both Sydney and Melbourne property markets experienced a slight decline of 0.1%, marking a potential shift in the momentum of Australia's housing market. This downturn comes after a period of consistent growth, raising questions about the sustainability of recent price increases. - read more
Australian Rental Market Faces Tightening Conditions
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18 Jan 2026: Paige Estritori
Australia's rental market is experiencing tightening conditions, with vacancy rates dropping to 1.6% in December 2025, close to record lows. This tightening has led to a 5.2% increase in rents over the year, posing significant challenges for tenants across the country. - read more
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Knowledgebase
Interest-Only Loan:
A type of loan where the borrower only pays the interest on the principal balance for a set term.

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