Finder's car loan calculator can help you figure out your loan costs in minutes. Use the calculator below or compare some car loan rates first to see what a good rate looks like.
You can also enter an amount for extra repayments if you are planning to pay off the loan early (and if your car loan allows it).
| Years remaining | Principal remaining |
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You are looking to buy a $25,000 car. It's a new car and you're planning to borrow the entire amount with a secured car loan. You find a loan with an interest rate of 7%.
You enter your loan amount and interest rate into the calculator and choose a 3-year loan term. You get the following results:
We've run some simple calculations based on example car loans. This illustrates how your loan amount, loan term and the interest rate affect your loan repayments.
These 3 loans are identical except for the interest rate.
| Details | Loan 1 | Loan 2 | Loan 3 |
| Loan amount | $30,000 | $30,000 | $30,000 |
| Interest rate | 7% | 9% | 12% |
| Loan term | 5 years | 5 years | 5 years |
| Monthly repayments | $595 | $623 | $668 |
| Total cost | $35,643 | $37,366 | $40,041 |
These 3 loans are identical except for the loan term.
| Details | Loan 1 | Loan 2 | Loan 3 |
| Loan amount | $30,000 | $30,000 | $30,000 |
| Interest rate | 9% | 9% | 9% |
| Loan term | 3 years | 5 years | 7 years |
| Monthly repayments | $954 | $623 | $483 |
| Total cost | $34,344 | $37,366 | $40,545 |
For a simple way to calculate your repayments with real life car loans, just enter a loan amount and loan term in the table below. You can see monthly repayments for each loan in the last column on the right.
You won't be charged for clicking through to one of our car finance partners. We get paid out of their pocket – not yours.
We've helped thousands of Australians find a car loan by keeping things simple and free of complicated jargon.
Our side-by-side car loan comparison makes it easy to find a car loan that is a good fit.
Some lenders let you make extra repayments. But some actually charge you a fee for paying off the loan early. This is more common on fixed rate car loans.
You can check a loan's exit or early repayment fees before you apply.
Some lenders offer car loans with a balloon payment structure. This just means that your monthly repayments throughout the loan will be lower. But at the end of the loan term you'll have to pay off a large lump sum to fully pay off the loan.
This can be a nasty surprise if you don't understand how the balloon payment works.
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