Calculate car loan repayments with our Car Loan Repayment Calculator. View detailed amortization charts to compare terms, track interest, and plan your budget with confidence.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Car Loan Details:
Important!
Car Loan 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 Loan 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.
How to use our Car Loan Repayment Calculator
Our Car Loan Repayment Calculator helps you estimate repayments for an Australian car loan and see how your balance, interest and principal change over time. It is important because small changes to the loan amount, term or interest rate can materially affect your monthly budget and the total interest you pay. The amortisation charts make it easier to compare scenarios and choose a structure you can afford with confidence.
General information only: This calculator provides an estimate and does not take into account your objectives, financial situation or needs. Results are indicative and your actual interest rate and repayments will depend on the lender, your credit profile and the final loan contract (including fees and conditions).
How to complete each section for the best result:
1. Purchase Price
Enter the vehicle purchase price as a whole number (no decimals or commas). If you plan to borrow extra for on-road costs such as stamp duty, registration or insurance, include those amounts here so the estimate better reflects your likely loan size.
2. Deposit or Trade-in Value
Enter your cash deposit and/or trade-in value as a whole number. A higher deposit reduces the amount financed and usually lowers repayments and total interest.
3. Term of Loan (Years)
Select the number of years you want to repay the loan over. Shorter terms usually mean higher repayments but lower total interest. Longer terms can reduce monthly repayments but typically increase total interest paid.
4. Interest Rate (% per annum)
Select an interest rate to simulate. If you have a quote, choose the closest rate. If comparing options, run multiple calculations to see the impact of different rates.
5. Calculate
Click calculate to generate your results and charts.
How to interpret the results:
1. Repayment estimate: Use this as a starting point for affordability, leaving buffer for running costs and rate changes.
2. Amortisation charts: One chart shows the loan balance reducing over time; the other shows how early repayments are often interest-heavy and gradually shift toward principal repayment.
3. Comparison planning: Re-run the calculator with different terms, deposits and rates to identify a repayment level and total interest outcome that suits your budget.
Personal loans are a type of unsecured credit that allows individuals to borrow money for various personal expenses, including consolidating debt, making home improvements, or funding significant life events. Unlike secured loans that require collateral, personal loans rely on your creditworthiness, making them an accessible option for many Australians. - read more
Starting and running a business in Australia can be an exhilarating experience, full of opportunities for growth and success. However, it also comes with its fair share of risks and uncertainties. From unexpected natural disasters to potential legal disputes, the threats to the sustainability of a business are ever-present. This is where business insurance becomes pivotal as a protective tool for Australian enterprises. It provides the much-needed safety net to help businesses mitigate potential losses and continue operations with confidence. - read more
When you're on the journey to owning your dream home, securing the right home loan is as critical as choosing the perfect location. The benefits of using online home loan calculators can't be overstated, as they wield the power to illuminate the murky depths of mortgage rates, terms, and payments with surprising precision. - read more
In 2025, Australia's truck market demonstrated remarkable resilience, achieving its third-highest annual sales despite facing significant economic pressures. According to the Truck Industry Council (TIC), a total of 45,191 new trucks and heavy vans were sold throughout the year. This figure, while representing an 11.9% decrease from the record 51,277 units sold in 2024, underscores the industry's robustness in the face of adversity. - read more
Australia's trucking industry is on the brink of a significant driver shortage, with projections indicating a shortfall of 78,000 drivers by 2029. This looming crisis is attributed to an aging workforce and challenges in attracting younger individuals to the profession. - read more
In a significant move towards sustainable transportation, energy company Mondo, with support from the Australian Renewable Energy Agency (ARENA), is set to establish Australia's first major electric truck charging hub in Melbourne's Laverton North. The project, slated for completion by late 2026, represents a pivotal step in reducing emissions within the road freight sector. - read more
