Car Loan Calculators
Car Loan Calculators
Free car loan calculators: monthly repayments, borrowing power, extra payments, balloon comparison, and new vs used cost analysis.
Car Loan Repayment Calculator
Calculate monthly, fortnightly, or weekly car loan repayments with optional balloon.
Car Loan Borrowing Power
See the maximum car you can afford from your monthly budget and deposit.
Car Loan Extra Repayment Calculator
See how much interest and time you save by paying extra each month.
Car Loan Balloon Payment Calculator
Compare repayments with vs without a balloon residual — see the trade-off.
New vs Used Car Loan Calculator
Side-by-side cost comparison of financing a new car vs a used car.
Common questions
What is a balloon payment?
A balloon is a lump sum residual due at the end of the loan term. It lowers your monthly repayments but increases total interest. The final payment can be refinanced or paid from the car's trade-in value.
What is a typical car loan rate in Australia?
New car secured loans currently range from 5.5% to 9.5% depending on lender, credit score, and whether the car is used as security. Used cars typically attract slightly higher rates (8%–12%).
Are these tools free?
Yes, all calculators are 100% free with no signup required.