Car Loan Calculator
Estimate a monthly car-loan repayment after allowing for a cash deposit or trade-in.
Estimated result—
How it works
Amount financed = vehicle price − deposit/trade-in. The repayment then uses a standard amortising-loan formula.
Example
Financing $40,000 for 5 years at 8% p.a. is roughly $811 per month before fees.
Useful things to know
- Dealer fees, lender fees and balloon/residual payments are not included.
- A longer term lowers monthly repayments but usually increases total interest.
- Check whether the quoted rate is fixed and whether early-repayment fees apply.
About this estimate
HandyNumbers calculations run in your browser. Results are general estimates and can differ from real-world outcomes because of fees, taxes, tariffs, product specifications, rounding and individual circumstances.