CAR LOAN REFINANCE CALCULATOR

A car loan calculator uses simple financial formulas to estimate your weekly, fortnightly, or monthly repayments. By adjusting variables such as your loan amount, term, and optional balloon payment, you can see how different scenarios affect your total repayment cost. It’s an easy way to plan your budget and understand what’s affordable before you apply for finance.

Whether you’re buying a brand-new vehicle, a used car, or even refinancing, the car loan calculator Australia can help you work out your estimated repayments. The calculator provides a general guide, showing how much your repayments might be based on your chosen amount, loan term, and interest rate. Keep in mind that actual rates for new and used vehicles may differ depending on lender policies and your credit profile.

A balloon payment lets you defer part of your loan amount to the end of the term, reducing your ongoing repayment amount. While this can improve cash flow during the loan period, it means you’ll have a larger final payment at the end. Our car loan calculator with balloon option helps you compare repayment amounts with and without a balloon so you can find the balance that fits your budget and goals.

When you use our car loan repayments calculator, no credit check is performed. The calculator simply estimates repayments based on the details you enter. If you decide to take the next step, you can complete a quick pre-check to get your personalised rate — still with no impact on your credit score. This lets you see what lenders might offer before formally applying.

The results from our car loan calculator are intended as a guide only. They’re calculated using a fixed sample rate to help you estimate repayments. Your actual rate will depend on your credit score, income, loan amount, and the vehicle you’re financing. For a more precise figure, you can click “Personalise Your Rate” to see lender-matched options and potential pre-approval offers based on your circumstances.

The car loan calculator is built to give you a simple, reliable estimate using a fixed interest rate. This ensures that every user sees consistent repayment examples for the same loan amount and term. Because actual rates vary between lenders and depend on factors like credit score, vehicle type, and loan purpose, the calculator doesn’t allow manual rate adjustments.

If you’d like to see your personalised rate — based on real lender data — you can complete our quick finance pre-check. It takes just a few minutes, has no impact on your credit score, and shows you live options from over 70 Australian lenders.

To see live rates from real lenders, simply complete our online finance pre-check. You’ll receive a range of rates and repayment options based on your information and preferences. With access to 70+ lenders across Australia, we’ll provide insights tailored to your credit profile and goals. If you want to proceed, you can continue online or connect directly with one of our Australian-based finance brokers, who will help finalise your loan and get you on the road faster.